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

Northgate Supply Co.

Critical

Dana Whitfield · dana.w@northgatesupply.com · Net 30

Outstanding
$184,320
Oldest invoice
74 days
Avg days to pay
52
YTD revenue
$1,284,500

i2C PayScore™

i2C PayScore · model v4.3

64%

chance of late payment

High confidence

Northgate has stretched payment timing in each of the last five months while order volume stayed flat. Two invoices are now past 60 days and the last two payments arrived as partials, which historically precedes a 60-day gap for this account.

AR × InventoryCross-domainCombined exposure$288,400

Inventory exposure

This customer owes $248,400 and you're about to reorder $40,000 of stock they typically buy. Combined exposure: $288,400 against a 78% PayScore.

  • PVC-200-S4038% of this SKU's volume · $90K Meridian lot lands Sep 2$26,400
  • CU-ELB-07522% of volume · next lot Aug 28$9,200
  • GLV-STR-12Only regular buyer of frozen strut channel$4,400

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

  • Payment timing trend52 days avg, up from 34
  • Invoice aging$96k past 60 days
  • Partial payment behaviour3 of last 4 payments partial
  • Credit utilisation92% of $200k limit
  • Order consistencyVolume stable, no decline

Recommended (advisory)

Guidance only — nothing is sent or changed

Advice

Treat Northgate as your first call today. Their pattern responds to early reminders — accounts with this profile paid 19 days sooner when contacted before day 45. Consider holding new credit exposure above $200k until the 74-day invoice clears.

Slipped from 34 to 52 avg days to pay over two quartersCredit limit $200,000

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

4 items on the book

  • INV-20418Issued Jun 2, 2026 · due Jul 2, 2026$62,40074 days overdue
  • INV-20517Issued Jun 19, 2026 · due Jul 19, 2026$33,80057 days overdue
  • INV-20690Issued Jul 8, 2026 · due Aug 7, 2026$48,1208 days overdue
  • INV-20844Issued Jul 29, 2026 · due Aug 28, 2026$40,000Due in 13 days

Transparent AI reasoning log

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

Today
  1. 04:12Read 38 paid invoices and 6 open invoices from QuickBooks
  2. 04:12Computed rolling 90-day average days-to-pay: 52 (prior period 34)
  3. 04:13Flagged 3 partial settlements in last 4 payments
  4. 04:13Compared against 214 distributor accounts with similar aging curve
  5. 04:13Scored 64% chance of payment past terms, high confidence