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

Vertex Plumbing Wholesale

Elevated

Priya Raghavan · priya@vertexpw.com · Net 30

Outstanding
$96,450
Oldest invoice
38 days
Avg days to pay
37
YTD revenue
$742,100

i2C PayScore™

i2C PayScore · model v4.3

41%

chance of late payment

Medium confidence

Vertex is buying more without extending payment speed, so the absolute exposure is climbing faster than their historical settlement rate. No behavioural deterioration yet — this is a size-of-exposure signal, not a distress signal.

AR × InventoryCross-domainCombined exposure$96,450

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

  • Exposure growth+28% balance in 60 days
  • Invoice aging$29k past 30 days
  • Payment timing trend37 days avg, stable
  • Credit utilisation80% of $120k limit
  • Dispute historyNone in 3 years

Recommended (advisory)

Guidance only — nothing is sent or changed

Advice

Nothing to chase yet. Worth watching the 38-day invoice: if it passes 45 days, the account moves to Critical on the next scoring pass.

Order volume up 28% while payment pace held flatCredit limit $120,000

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-20702Issued Jul 8, 2026 · due Aug 7, 2026$29,4508 days overdue
  • INV-20811Issued Jul 24, 2026 · due Aug 23, 2026$32,000Due in 8 days
  • INV-20958Issued Aug 9, 2026 · due Sep 8, 2026$35,000Current

Transparent AI reasoning log

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

Today
  1. 04:16Read 44 paid invoices, 5 open invoices
  2. 04:16Balance growth outpacing settlement velocity by 2.1x
  3. 04:16Scored 41% chance of late payment, medium confidence (short history at this volume)