- Before
- Clears 7–10 schedules a day before the 2:00 pm cut-off, and can call twenty debtors, not two hundred.
- Now
- Starts from three lanes with the reason for every hold, and calls only the debtors that need it — at a number the agents sourced.
One schedule of accounts, from upload to wire
Pinecrest Packaging Co. of Dayton, Ohio sends Schedule 1187 at 8:41 am: 46 invoices to 9 debtors, $1,284,630.50 face, at an 85% advance. The same-day cut-off is 2:00 pm CT. Here is what happens next, screen by screen, in the working solution.
- 01Morning
Every schedule, against the 2:00 pm wire
Renee Okafor · Verification specialistRenee opens Today’s schedules: seven clients from Redfern Freight Lines at 6:55 am to Sorrel Electrical Supply at 8:58 am, $3.16M of face value. Each is sorted into fund now, verify and hold, with what the agents found and its stage — Redfern already funded at 8:30, Calder Staffing ready to fund, Marlow Metal waiting on a debtor.
“now 9:14 am · approve by 1:30 pm · cut-off 2:00 pm”
- 02One click
“Match all 46 invoices”
Six agentsThe schedule reader ties the schedule to its 46 invoices, 46 purchase orders and 46 bills of lading or receipts. The matcher, the duplicate and alteration detector, the debtor verifier, the eligibility checker and the funding recommender follow — each step in the run log with what it found.
“Nothing is advanced until every link is checked.”
- 0372 seconds later
Three lanes, every invoice stamped
Funding recommender39 invoices, $1,044,636.00, advance now — $887,940.60 at 85%. Four to Brookhollow Distribution, $112,852.50, wait on the debtor. Three, $127,142.00, are held with a reason. A clean invoice reads across in green: invoice, order 4500-88260, bill of lading 7739124 and the debtor’s history all agree, and it is stamped ADVANCE $21,774.96.
- 04Held
One shipment, two invoices
Duplicate and alteration detectorPCP-40917 to Larkin Foods, $38,412.00, is dated 8 Oct. Its bill of lading 7738214, PO 4500-88217 and 2,134 cases are the same as PCP-40871, dated 25 Sep and funded on Schedule 1179 on 29 Sep. Only the invoice number and date changed. It is held and never funded; Pinecrest is asked to withdraw it.
“This shipment was invoiced and funded once already”
- 05Held
Billed before the goods left
Order and delivery matcherCorvane Beverage’s PCP-40951, $27,350.00, connects to its order — but the bill of lading shows a pickup booked for Wednesday 14 Oct, not signed, nothing delivered. The date line draws the gap in red: billed 5 days before the goods leave.
Pre-billed — hold until Corvane signs for the goods.
- 06Held
2,480 cases billed, 1,860 signed for
Order and delivery matcherPCP-40933 bills Tamsin Home Goods 2,480 cases at $24.75, $61,380.00. Tamsin’s receiver signed for 1,860, and Pinecrest’s own ledger carries the invoice at $46,035.00. The PDF was edited on 9 Oct, two days after it was created.
“Altered — hold”
- 07Before the call
A new debtor, and a number the client did not supply
Debtor verifierBrookhollow Distribution LLC is new to Pinecrest: an Ohio LLC formed 14 Apr 2026, an invoice email domain registered 18 Sep, a VoIP phone on the invoices. The debtor verifier finds (614) 555-0182 from Groveport Logistics Park, the landlord, and the Ohio business filing, and drafts the call script and the notice of assignment.
“Call this number — not the invoice’s”
- 0811:20 am
Confirmed on a recorded call
Renee Okafor · Verification specialistGloria Benet, accounts payable manager at Brookhollow, confirms all four invoices, the goods received and no credits or disputes, and acknowledges the notice of assignment. Walt Brennan, credit manager, approves a $150,000 limit at 11:31. The four invoices move to fund.
- 09In plain words
Fund what was delivered, hold the rest
Renee Okafor · Verification specialistRenee asks the assistant to fund the 1,860 cases Tamsin received. It splits PCP-40933: $46,035.00 advances, and $15,345.00 for the 620 backordered cases is held until they are delivered with a signed receipt.
“Split — 1,860 advanced”
- 101:12 pm
Approved at 1:05, wired at 1:12
Lena Whitfield · Funding officer44 of 46 invoices are eligible, $1,203,523.50 face. Renee approves at 1:05 pm; Lena releases $1,022,994.98 to Pinecrest at 1:12 pm, inside her $1,500,000 limit, with a Fed reference. $81,107.00 stays held, and Dana Kowalski gets a notice listing each held invoice and what clears it.
The duplicate is never paid.