Every industry runs on trade credit. Almost none of it gets extended on a hunch.
A distributor in food, electronics, auto parts, building materials. Before they ship a dollar of product on terms, they pull a score. D&B. Experian. Somebody.
That score doesn’t come out of thin air. It comes from other operators in that same industry sharing their AR data.
Here’s the part most people miss.
Those operators aren’t being generous. They’re being selfish in the smartest way possible.
You contribute your monthly aging data. You get back intelligence on everyone else’s payment behavior. Width across the whole industry. Depth on each counterparty. That’s the trade.
The agency only knows your customer is slow-paying three other vendors because those three vendors reported it. And they only know your customer is slow because you reported yours.
No contribution, no network. No network, no score. That’s not an Reklaim Credit Solutions rule. That’s how D&B and Experian have worked for a century.
The reason every serious operator shares AR data isn’t compliance or goodwill. It’s that the alternative is shipping product blind and hoping.
Cannabis never had this. D&B and Experian won’t touch it. Federal illegality scared them off.
So the industry ships billions on trade credit with no real score behind it. Reading last month’s gossip about who paid and calling it intelligence.
We built the agency they wouldn’t.
Same modelling the rest of the economy has used forever. You feed the network, the network feeds you back.
We are in advanced beta now working with a number of operators, aggregating AR aging data, de-identifying the contributing party and scoring the counterparties.
Reklaim Credit Solutions launches publicly soon.
The random flywheel looks Fun. It isn’t.
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