01
Working capital strain
Inventory sits while customers demand 30–90 day terms, tying up the cash you need to trade.
Who It's For / Wholesale & Distribution
Wholesale & Distribution
Approve the right buyers faster. Protect margin and working capital.
In wholesale and distribution, cash gets tied up fast: inventory, customer terms, drawn-out disputes. ClearSignal unifies credit, payment history and ownership data and applies your policy, so you approve quickly and catch deterioration early.
One decision view · Policy-led limits · Continuous monitoring
Credit review liveBUYER · WHD-3360
▲ Review limit
Marlow Trade Buyers Ltd
Limit increase request
Credit · payment history · ownership
Buyer signals
Days-beyond-terms rising
Late-paying trend
Payment
just now
Concentration across entities
Linked buyers, one controller
Group
1m ago
Score within appetite
Policy threshold met
Credit
3m ago
Connected entities: 8--:--:-- UTC
Credit, payment behaviour and ownership in one view
Company financialsTrade payment data (DBT)Ownership & UBOsConnected entitiesCredit scoresCompany events
Where working capital leaks
Stock on the shelf, cash on terms, and the risk out of sight.
02
Fragmented decisions
Credit checks, payment history and ownership data live in separate tools. Decisions end up slow and inconsistent.
03
Hidden concentration risk
Linked entities and shared directors build exposure that goes undetected until payment slows.
Snapshot vs. monitored buyer
A limit increase shouldn’t be a guess.
Same buyer, same 90 days. Switch between a one-off check and ClearSignal monitoring to see the deterioration a snapshot would never flag.
⏸ Checked once · at onboarding
Limit raised on an old check.
The buyer looked fine months ago, so you raised the limit. The late-paying trend and the group concentration weren’t in view.
Day 0Account approved — CLEARCredit & ownership check
Day 20DBT risingLate-paying trend
Day 38Group concentration flaggedLinked buyers
Day 55Director changeCompany event
NowLimit held · evidencedAction recorded
What changes with ClearSignal
Faster approvals. Protected margin. Consistent limits.
01
Fast low-risk renewals
Straightforward renewals clear quickly while exceptions are surfaced for review.
02
Catch deterioration early
Payment-behaviour signals like days beyond terms and late-paying trends flag a buyer slowing before bad debt builds.
03
Consistent limits across branches
Approval matrices and escalation routes apply uniformly across every location.
Capabilities
Built for distribution credit control.
Policy-to-Rules engine
Convert trade-credit policy into enforceable limits and escalation triggers.
Decision Assistant
Cited, explainable recommendations: “increase the limit?”, “move to COD?”
Company relationships
Directors, PSCs/UBOs and connected entities shown in one view.
Trade payment data
Track DBT trends to flag a late-paying buyer before exposure grows.
Ongoing monitoring
Continuous watch on scores, company events and payment behaviour.
Audit trail by default
Approvals, exceptions and limit/term changes preserved with timestamps.
Concentration risk
See the group behind the buyer.
ClearSignal unifies ownership and payment links across a company group, so connected exposure and deterioration surface before you raise a limit and risk working capital.
Clear
Watch
Risk
Buyer Co
Group parent
Connected buyer
Shared director
UBO
Subsidiary
Late-paying co
Frequently asked
Questions distribution credit teams ask.
Yes. Your trade-credit policy becomes enforceable limits and escalation triggers, applied uniformly across branches.
Trade-payment signals such as days-beyond-terms and late-paying trends flag deterioration before bad debt builds.
Yes. The company-relationships view shows linked buyers and shared directors so concentration doesn’t build undetected.
Yes. Approvals, exceptions and limit changes are preserved automatically with timestamps.
Book a 15-minute demo
Approve faster — and protect working capital.
See how ClearSignal unifies credit, payment behaviour and ownership, applies your policy, and flags deterioration early.
Policy-to-RulesTrade payment dataConcentration riskAudit trail