Finley for Wholesale Distribution
You had your best year ever. So where is the cash?
It’s sitting in inventory on your floor and in invoices your customers haven’t paid. Finley is the Fortune 500‑caliber AI CFO that tells you where your cash is, what’s coming, and what you can actually afford: today, not three weeks after your bookkeeper closes the month.
[GIF slot: the 13-week cashflow forecast, refreshing]
Grow profit, one order at a time
You take thousands of orders every year and price SKUs one at a time. Freight on a will-call that should have been delivered. A customer discount nobody has re-approved since 2023. A return you ate. Each one is small, and together they shape your profit at the end of the year. Finley computes gross margin on every order against your target, then ranks what’s driving the misses: the SKUs that need pricing, the dated shipping policy, or excessive returns.
Get your cash out of the warehouse
For most distributors nearly all the cash is in two places, and neither is the bank: product sitting on the floor, and invoices that customers haven’t paid. Finley measures both continuously, days of inventory, days of receivables, days of payables, and the spread between them, so you can see how many days of cash your growth is consuming and which lever shortens it. Growing twenty percent and tighter on cash than last year is no longer a mystery. It’s a number that you manage.
Manage concentration risk
A distributor gets squeezed from two sides at once. One manufacturer line can carry a third of your revenue, and a direct-to-customer move by the manufacturer rewrites your year in an instant. At the same time, a handful of customers hold most of your receivables, and a stalled payment by your top customer can take your working capital hostage. Finley breaks down revenue by vendor, and receivables by customer and by age, so both are numbers you manage proactively instead of catastrophic risks that blindside you on a random Tuesday.
Finley is addicting. Every question I asked made me want to ask another question.”
Know your cash position today, and any week between now and next year
Finley builds a rolling cash flow forecast and keeps it current: every open bill, every expected collection, your actual payment patterns, and a certainty band that widens the further out it looks. The cash flow forecast is 13 weeks by default, but extends up to one year when a decision needs it. So when you commit to a container in September that lands and bills in January, you know before you approve the PO whether January can carry it.
[Product image slot: the extended forecast with its certainty band]
Your banker works for the bank. Finley works for you
Ask how to finance three forklifts at $100K each and Finley tells you your options: a term loan, a fair market value lease, or a $1 buyout lease. Finley tells you what each one does to your cash flow, profit outlook, and balance sheet. It reasons over your actual cash for the down payment. Then it gives you a recommendation. Bankers have long kept your options close to the vest. Now you know what they do.
[Product image slot: the financing question answered, with the three options]
Find out what the news means for your P&L
When a shipping lane closes, the Fed moves interest rates, or a new tariff rolls out, the headline tells you it happened. It doesn’t tell you what it does to your freight costs, your borrowing rate, your cost of goods sold, or customer demand. Ask Finley what a situation means for your business and it reasons like a macroeconomist on your payroll, translating inflation, interest rates, and global activity down to the four or five things that actually move your P&L.
[Product image slot: the what-does-this-mean question answered]
Gross margin by order · vs target
Order-level margin analysis
Gross margin computed on every order against your target, with the misses ranked by what’s driving them: SKU pricing, shipping policy, discounts, returns.
38days
Cash conversion cycle
Days of inventory, days of receivables, days of payables, and the spread between them, measured continuously. How many days of cash your growth is consuming.
Concentration and aging
Revenue broken out by vendor. Receivables broken out by customer and by age. Both sides of the equation, as numbers you watch instead of surprises you absorb.
Rolling cash flow forecast
13 weeks by default, extending to a full year when a decision needs it. Every open bill, every expected collection, your actual payment patterns, and a certainty band.
Your best year should end with cash in the bank.