NOVALINE

B2B distributors · $2M–$25M

B2B payment processing for distributors

Cut 0.45–1.5%6 on qualifying commercial card volume. Get paid in 48 hours3. Fund the invoices that stay on 30–60 day terms.

Run the fee audit Payment processing

Default scenario: $8.4M revenue, DSO 45 → 32. Change it in the tools. Figures are illustrative.

Cash sitting in 13 extra days of DSO

DSO 45→32

$299,178

On $8,400,000 of sales, each day of DSO is $23,014. Wholesale DSO still clusters in the low-to-mid 40s11. Illustrative on this book.

Advertised take-rate
2.9%8
Cheque vs ACH
$4.1512

Infrastructure

Rails we sit on

Processor, factor, lessor, and sponsor rails. Marks publish when contracts allow.

  1. 01

    Processor partner logo placeholder: Processor partner

    Card rails

  2. 02

    Factor partner logo placeholder: Factor partner

    Receivables

  3. 03

    Lessor partner logo placeholder: Lessor partner

    Equipment

  4. 04

    Bank partner logo placeholder: Sponsor bank

    Sponsor

Three solutions

Get paid. Get funded. Keep customers on terms.

One relationship across rails and capital. Start with the audit. Add a facility only where the arithmetic says so.

Payment processing

Accounts receivable that settles in 48 hours.

Cut 0.45–1.5% on qualifying commercial card volume. Customers stay on terms.

Open payment processing

Invoice factoring

Aging that turns into cash this week.

Advance rates to 90%+ on approved invoices. Fees from 1.5% per 30 days.

Open invoice factoring

Equipment financing

New assets and sale-leaseback without the operating line.

Typical schedules 7–9%. Cash out of equipment you already run.

Open equipment financing

Business line of credit for distributors · Lender-ready monthly reporting

Cash cycle

The invoice does not have to wait with the customer.

Terms are a sales tool. They do not have to be the funding plan. Rails and a facility sit beside the aging file — they do not replace the relationship.

Today

Cash follows the due date

  1. 01

    Invoice sent

    Net 30–60

  2. 02

    Wait on terms

    DSO in the 40s

  3. 03

    Cash arrives

    45 days later

With Novaline

Cash follows the invoice

  1. 01

    Invoice sent

    Same file

  2. 02

    Card or factor

    48h or advance

  3. 03

    Cash this week

    Customer still on terms

Same invoice. Different clock.

How it works

Four steps. One aging file.

A process a controller can audit. Each step has an input, an output, and a cost you can put in a spreadsheet.

  1. 01

    Audit

    We read your processing statement and AR aging. Free, 3 business days.

  2. 02

    Optimize

    Cut 0.45–1.5% on qualifying commercial card volume. Payment links and invoicing that post to the invoice.

  3. 03

    Fund

    Factoring, equipment, or a line — against receivables and assets you already hold.

  4. 04

    Monitor

    Covenant tracking, DSO reporting, and refinance triggers, monthly.

How the audit, rails, and funding sequence works

Industries

The credit is in the payer. The leak is in the vertical.

House accounts, job billing, seasonal yards, fleet terms, GPO cards — the cash-cycle failure mode is specific. So is the fix.

Industrial distribution

OEM and MRO accounts buy on terms. A missed week of collections is a six-figure hole in cash.

Typical DSO 46d

Building materials

Seasonal shipments and contractor terms stretch DSO into the 50s just as yards restock.

Typical DSO 51d

MRO, electrical, plumbing & HVAC

High SKU counts, job-account billing, and a contractor base that still mails cheques.

Typical DSO 44d

Auto and truck parts

Shop credit, fleet terms, and warranty returns make cash less predictable than the counter suggests.

Typical DSO 41d

Packaging & janitorial supply

Recurring orders, thin SKU margins, and national-account virtual cards that clip 3%.

Typical DSO 39d

Medical & dental supply

Clinics and practices pay slowly; group purchasing cards pay quickly and expensively.

Typical DSO 48d

$450B

asset-based finance industry assets

[1]

40–60%

of B2B card transactions never receive commercial rates

[2]

48 hrs

typical settlement on card versus 45 days on terms

[3]

2.4%

published network surcharge cap

[4]

Run the fee audit before the next processor renewal.

Fee Audit Talk to credit