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.
for Wholesale Distribution
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 is driving the misses. The SKUs that need pricing. The shipping policy nobody has touched. The 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 on the floor. Invoices nobody has paid. Finley measures both continuously, days of inventory against days of receivables against days of payables, so you can see how many days of cash your growth is eating 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. When your top account starts paying eleven days later than it used to, you hear it the morning the pattern breaks, along with what it does to the next four weeks. You decide who to call.
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 habits, and a certainty band that widens the further out it looks. Thirteen weeks by default, a full year when a decision needs it. Commit to a container in September that lands and bills in January, and you know before you approve the PO whether January can carry it.
Rolling forecast · weekly
Your banker works for the bank. Finley works for you
Ask how to finance three forklifts at $100K each. Finley gives you the term loan, the fair market value lease, and the $1 buyout, and what each one does to your cash, your profit, and your balance sheet. It reasons over the cash you actually have for the down payment. Then it recommends one. Your banker has known these numbers the whole time.
One caveat: confirm the month ahead before you commit the down payment.
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.
Watching · your A/P at $964K · floating freight rates
CFO recommendation
Model a 12% cost scenario before the surcharges land. I can stress-test your forecast now.Run the stress test
Which of your accounts need a price increase?Finley knows which accounts have been costing you money, and what to charge instead.
You cannot answer that off a margin report, because the costs that decide it are not on the order. Pick labor, the delivery run, order entry, the returns desk, the cost of carrying a slow payer. All of it sits in one operating expense pool, attached to nothing.
The order that looks like twenty-two points is a different order once the will-call became a delivery, the line count doubled the pick, and half of it came back. Finley reads those pools out of your ledger and spends them back onto the orders that caused them. Then you know which accounts have been carrying you and which ones you have been carrying, and you can go have that conversation with a number in your hand.
Connect Finley once and start gaining insights.
Finley connects to your accounting and your distribution ERP, and we can help build connectors for most other systems.
Connected in minutes. No data migration, no implementation project, no new system for anyone in the warehouse to learn, and nothing for your controller to maintain. Your ERP keeps running orders, purchasing, and the floor. Finley reads what it produces and tells you what it means.
Then the part that matters. Finley keeps what it learns. Every month it knows your seasonality better, your customers’ payment habits better, which lines turn in season and which ones sit, which accounts always pay ten days late and which one just started to. Your controller has been here nineteen years and knows all of it, and all of it lives in her head. The next banker, the next buyer will each start from zero. Finley started once, and never starts over.
Finley is a dashboard, a reporting layer, and a forecast. It is also the reasoning that turns all three into a decision. Nothing gets ripped out. Your ERP keeps the ledger and your close runs exactly as it does today.
Where one ends and the other begins
Your ERP
- System of record for your ledger
- Records the order
- Ages the receivable
- Closes the month
- Built for accountants
Finley
- System of record for your financial planning
- Ranks the orders that lose money
- Tells you which account to call first
- Tells you what the month means
- Built for the operator
Gross margin by order · vs target
Order-level margin analysis
Gross margin on every order against your target, with the misses ranked by cause. 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.
