Hoopiz › Sectors › Wholesale distribution
Sector · Wholesale & B2B distribution
Credit management software for wholesale distributors: thousands of customers, risk under control
In trading and B2B distribution, margins are thin, customers number in the thousands and credit insurance is often the first line of defence. Hoopiz automates high-volume collections, continuously matches your insurance cover against outstanding accounts receivable and alerts your teams before an order ships to a customer who won’t pay.
−20%: result achieved by a €97M-revenue wholesaler using Hoopiz (anonymised business case).
Illustration · fictitious data
Sector challenges
Wholesaler or B2B distributor: high-volume accounts receivable on thin margins
Thousands of invoices, lean teams and every bad debt wiping out the margin on dozens of orders: six realities of wholesale distribution.
Margins that don’t forgive bad debt
With a 3 to 5% net margin, a €10,000 bad debt means generating an extra €200,000 to €300,000 in revenue to make up for it.
Thousands of active customers
Tradespeople, resellers, local authorities, key accounts: a very broad, mixed portfolio that’s impossible to chase manually, one customer at a time.
Credit insurance as a cornerstone
Credit limits, unnamed buyers, discretionary limits, investigation and monitoring fees: the policy needs close monitoring to stay useful and cost-effective.
Sales reps who sell fast
Orders go out every day, often by phone or over the trade counter. Without the right information at the right time, goods are delivered to a customer who is already overdue or over their cover.
Small credit teams
One or two people, sometimes just the accounting team, handle all of accounts receivable: automation must not add complexity.
Delivery disputes
Quantities, product references, breakages, returns, pricing: logistics disputes hold up payments and are settled between sales administration, the warehouse and sales.
The foundation
Collections and customer risk: the foundation of your credit policy
Whatever the sector, two pillars come first: organised collections and customer risk under constant watch. Here is how Hoopiz adapts them to wholesale distribution.
Organise collections
Thousands of customers to chase with a small team: collections must be industrialised without damaging relationships with good customers.
- Scenarios by customer type: good payers, resellers, public bodies, key accounts: each segment gets its own pace and tone
- Every channel: email, text message, letter, guided call, fully automated, semi-automated or manual depending on what is at stake, with a complete history of every exchange
- Shared disputes: with sales administration, the warehouse and sales reps, tracked until resolved
- Connected debt recovery: cases handed over to Agir Recouvrement or Cabinet ARC with no re-keying
Control customer risk
With margins of a few percent, the best receivable is the one you never let deteriorate.
- Creditsafe, Ellisphere, Infolegale: your own contracts connected: scores and legal information directly in Hoopiz, without going through their portals
- Alerts across the whole portfolio: court rulings, liens, score downgrades, lengthening payment delays
- Credit limits: suggested from the score, the credit insurance cover and payment history
- Sales reps informed: exposure, overdue amounts and available cover before the order is confirmed
And depending on your organisation: PILOT for steering and consolidation, COVER for credit insurance, CONNECT for APIs, FACTOR for factoring. See the 6 modules ↓
Example
One customer, one order, three signals
A reseller places an €18,000 order. On its own, nothing looks unusual.
Hoopiz instantly cross-checks three pieces of information: €42,000 outstanding against a €50,000 credit limit, a €9,000 overdue invoice and average payment delay up from 12 to 27 days. The order would exceed the credit limit by €10,000: the sales rep is alerted, and credit either approves it or requests a down payment before delivery.
In practice
What Hoopiz changes for a wholesaler
Disputes
Wholesale disputes, categorised as soon as they arise
Each dispute reason is configured: you can measure how many invoices are on hold, why, and who needs to act.
How a €97M wholesaler optimised its credit insurance
- SectorWholesale distribution
- Revenue€97M
- ChallengeSecuring and optimising credit insurance management
- ModulesCOVER, RISK, COLLECT, PILOT
The context
A portfolio of several thousand customers, a credit insurance policy at the heart of the credit policy, credit limits tracked by hand, and investigation and monitoring fees weighing on the policy’s profitability.
What was put in place
Cover synced and automatically matched against outstanding balances, alerts on overruns and policy obligations, credit limit requests targeted at genuinely active customers, and automated collections by customer type.
Anonymised Hoopiz business case. The “100%”, “Auto” and “Real time” indicators describe the set-up implemented.
Connected to your ecosystem
Hoopiz connects to your tools
Invoices, outstanding balances and payments flow in automatically from your ERP; credit management decisions flow back into it.
The platform
The 6 Hoopiz modules, applied to wholesale distribution
Collections and risk first, then the modules that fit your organisation. They all share the same data.
Why does a wholesaler need credit management software?
Because wholesale distribution combines a large number of customers, thin margins and heavy reliance on credit insurance. Credit management software automates high-volume collections, secures new orders and continuously matches cover against outstanding balances.
How can a small team chase thousands of customers?
With automated dunning workflows by customer type (good payers, resellers, key accounts…). Standard reminders go out on their own, and only high-stakes accounts reach the team’s agenda.
How can I reduce credit insurance costs?
By automatically matching cover against outstanding balances: you target credit limit requests at customers who are genuinely active and material. A €97M wholesaler cut its investigation and monitoring fees by 20% this way.
How do I avoid delivering to a high-risk customer?
Hoopiz alerts sales and sales administration when an order would exceed the credit limit or internal limit, or when the customer is overdue, and can block the order in the ERP via the CONNECT module.
Is Hoopiz suitable for an SME distributor?
Yes. Hoopiz brings the automation of a structured credit management function without the complexity: the platform is modular and adapts to the size of your team.
Secure every order without overloading your teams
In a demo, we show you Hoopiz on a wholesaler’s portfolio: high-volume collections, credit insurance and sales alerts.