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Demo mode — all figures, customers, suppliers and SKUs shown here are sample data for demonstration purposes only.

Cedar Mill HVAC

Elevated

Tom Alvarez · tom.a@cedarmillhvac.com · Net 30

Outstanding
$61,230
Oldest invoice
46 days
Avg days to pay
44
YTD revenue
$418,900

i2C PayScore™

i2C PayScore · model v4.3

37%

chance of late payment

Medium confidence

Cedar Mill's late payments cluster in July and August every year and clear by late September. This is a predictable seasonal cycle rather than a change in financial health.

AR × InventoryCross-domainCombined exposure$61,230

Inventory exposure

No open reorder commitment is tied to this account's usual lines, so inventory exposure here is limited to stock already on the shelf.

Recommended action: Confirm terms — or a deposit — on this account's next order before the linked stock commitment releases.

What's driving the score

Contribution of each factor, highest first

  • Seasonal patternLate in Q3 for 3 straight years
  • Invoice aging$24k past 30 days
  • Payment timing trend44 days avg
  • Credit utilisation77% of $80k limit
  • Write-off historyNone

Recommended (advisory)

Guidance only — nothing is sent or changed

Advice

Expect settlement around the third week of September, consistent with the last three years. A light reminder at day 60 is usually enough.

Seasonal slowdown; pays late every Q3Credit limit $80,000

Advisory only —i2cashflow does not email customers, create dunning letters or modify invoices. This panel explains what similar accounts responded to.

Payment history

Days past terms, last six settled months

Open invoices

2 items on the book

  • INV-20648Issued Jun 30, 2026 · due Jul 30, 2026$24,23016 days overdue
  • INV-20877Issued Aug 1, 2026 · due Aug 31, 2026$37,000Current

Transparent AI reasoning log

Every step the model took, in order, using only read access

Today
  1. 04:17Read 3 years of invoice history
  2. 04:17Matched current aging to prior Q3 seasonal curve (r=0.91)
  3. 04:17Scored 37% chance of late payment, medium confidence