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Harbor Industrial Group

Critical

Miguel Serrano · m.serrano@harborind.com · Net 45

Outstanding
$142,980
Oldest invoice
61 days
Avg days to pay
63
YTD revenue
$988,400

i2C PayScore™

i2C PayScore · model v4.3

58%

chance of late payment

High confidence

A disputed freight charge on INV-20460 has frozen $58k for six weeks. Harbor pays reliably once disputes clear, but their open dispute cycle averages 41 days, which pushes the whole balance past terms.

AR × InventoryCross-domainCombined exposure$142,980

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

  • Open dispute$58k frozen 44 days
  • Invoice aging$81k past 45 days
  • Payment timing trend63 days avg
  • Credit utilisation95% of $150k limit
  • Relationship length7 years, no write-offs

Recommended (advisory)

Guidance only — nothing is sent or changed

Advice

Resolving the freight dispute is the single highest-value move on this account — it unblocks 41% of the balance. The rest of the balance is trending on-time.

One disputed invoice blocking $58k, plus 61-day agingCredit limit $150,000

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

3 items on the book

  • INV-20460Issued Jun 15, 2026 · due Jul 30, 2026$58,200Disputed
  • INV-20612Issued Jun 30, 2026 · due Aug 14, 2026$44,7801 day overdue
  • INV-20905Issued Aug 3, 2026 · due Sep 17, 2026$40,000Current

Transparent AI reasoning log

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

Today
  1. 04:14Read 52 historical invoices and 4 open invoices
  2. 04:14Detected credit memo request on INV-20460 (freight)
  3. 04:15Isolated disputed amount from aging calculation
  4. 04:15Scored 58% chance of late payment, high confidence