Risk and Monitoring for Cannabis Operators

Monitor Cannabis Credit Risk Before It Reaches Your A/R

Helping cannabis companies monitor customer credit risk after approval, Reklaim tracks payment behavior, CANNAFIX and ExposureScore movement, legal filings, license changes, and other material credit events. Review exposure early and adjust terms and limits before risk turns into older A/R.

WHAT IS CANNABIS CREDIT PORTFOLIO MONITORING?

Keep Watching the Account After Approval

Approving a customer is only the first credit decision.
Portfolio monitoring keeps existing accounts under review so your team can see when payment behavior, credit risk, exposure, or business conditions begin to change.

Which customers are becoming riskier?

See which accounts show signs of deteriorating credit quality.

Who is paying more slowly?

Track changes in payment behavior before they become a larger collection problem.

Where is exposure growing?

See which customers are carrying the most open and past-due A/R.

Has something changed around the business?

Watch for legal filings, license issues and other material events.

Which accounts need attention now?

Prioritize the customers that deserve a credit review before the next shipment.

WHY ONGOING MONITORING MATTERS

Credit Approval Is a Point in Time. Risk Is Not.

A customer can qualify for Net 30 today and look very different six months from now.
Payments slow. Balances age. Liens appear. Licenses change. Returned payments happen.
Portfolio monitoring keeps the account under review after approval so your team can decide whether the same terms and credit limit still make sense.

Your original credit decision answers:

Should we open the account?

Monitoring answers:

Should we still carry the same risk today?

YOUR PORTFOLIO AT A GLANCE

See Where Your Credit Exposure Sits

Reklaim Credit Solutions brings the key portfolio measures into one view so your team can see which accounts deserve attention first.

Total Accounts

See the number of customer accounts currently being monitored.

High-Risk Accounts

Identify customers that warrant closer or immediate review.

$460K

Open A/R

See total outstanding receivables across the portfolio.

$145K

Past-Due A/R

See how much exposure has already moved beyond agreed terms.

Portfolio ExposureScore

Track the overall credit condition of your customer portfolio.

A/R Aging

See how outstanding balances are distributed across current and past-due aging buckets.

From the portfolio view, your team can move directly into the individual customer record and review:

Open A/R

Past-Due A/R

Credit Score

Risk Rating

Risk Tier

Credit Report

WHAT REKLAIM MONITORS

Six Credit Signals Across Your Customer Portfolio

Reklaim Credit Solutions monitor for changes that can affect the amount of unsecured credit you are willing to carry.

CANNAFIX & ExposureScore Movement

Track changes in both market-wide credit risk and your own direct payment experience with the customer.

Payment Velocity Decay

See when customers begin taking longer to pay across reported supplier relationships.

Severe Delinquency

Surface 90+ day past-due activity that may require immediate credit review.

Legal Filings

Watch for lawsuits, judgments, tax liens, UCC filings, and other material legal events.

License Status Changes

Identify license suspensions, revocations, lapses, or other status changes that can affect a customer’s ability to operate.

News & Media

Keep relevant financial, operational, and regulatory developments alongside the customer’s credit record.

SCORE TRENDS

Watch the Direction, Not Just the Number

A current score tells you where the customer stands.
The trend tells you whether the risk is moving in the right direction.

Reklaim CANNAFIX Score

Reflects trade-payment behavior reported across Reklaim Credit Solutions’ contributory network, giving your team context beyond its own ledger.

Reklaim ExposureScore

Based on the customer’s payment performance in your own A/R. Compare your direct experience with the broader market.

When the two scores begin telling different stories, that is worth investigating.

EARLY PAYMENT SIGNALS

See Slow Pay Before It Becomes Your Slow Pay

Your A/R aging shows how a customer is paying you.
It does not show whether that same customer has started stretching other suppliers.
Reklaim Credit Solutions uses reported trade-payment information to help identify when payment speed begins to deteriorate across supplier relationships.
It provides your team a reason to review the account before the same pattern reaches your ledger.

Pays Within Terms

Slow 15

Slow 30

Slow 60

The earlier the change is visible, the more options you have.

CREDIT LIMITS & EXPOSURE

Keep the Credit Limit Aligned With the Risk

A credit limit set six months ago should not stay untouched when the customer underneath it has changed.
Reklaim Credit Solutions helps your team review the customer’s current score, payment trend, suggested credit limit, and open exposure together.

This review can lead to several decisions:

Maintain the Limit

Current performance still supports the existing exposure.

Increase Available Credit

Payment behavior and credit quality support additional capacity.

Reduce Exposure

Risk has increased and the account should carry less unsecured credit.

Tighten Terms

Shorten the payment window when the current terms no longer fit the risk.

Move to COD

Continue the relationship without adding more unsecured A/R.

Hold the Next Shipment

Review the account before another order becomes another receivable.

ALERT SEVERITY

Not Every Alert Requires the Same Response

Reklaim Credit Solutions groups alerts by severity so your team can separate routine changes from events that require immediate attention.

HIGH — Act Now

EXAMPLES MAY INCLUDE:

90+ day delinquency
Unsatisfied judgments
Active tax liens
Material legal proceedings

These events can justify an immediate review of open exposure, credit terms and pending orders.

MEDIUM — Review Exposure

EXAMPLES MAY INCLUDE:

Material score decline
Slowing payment behavior

These accounts should be reviewed before the risk becomes more severe.

LOW — Keep Watching

EXAMPLES MAY INCLUDE:

Minor score movement
An isolated late-payment event
A new filing that does not immediately change the account position

Not every event requires a hold. Some simply belong on the credit manager’s radar.

FROM ALERT TO ACTION

The Alert Only Matters If It Changes What You Do

Tighten Terms Before Exposure Grows

A customer that no longer supports Net 60 may still be acceptable at Net 30.

Pause a Shipment Instead of Chasing an Invoice

Review the account before another order adds to an already questionable balance.

Review Accounts as Risk Changes

Daily monitoring highlights significant changes in customer credit profiles between reporting periods, helping you identify which accounts need a closer look.

PORTFOLIO MONITORING VS. A/R AGING

Your Aging Report and Portfolio Monitoring Answer Different Questions

Your A/R Aging Tells You:

What does the customer owe us?

How old is our invoice?

What is already past due?

Which customers have the highest overdue balances?

Portfolio Monitoring Helps You See:

What is changing around the customer?

Have new credit risk indicators appeared since the last report?

Has the credit score moved?

Have legal or license events appeared?

Does the current exposure still make sense?

You need both.

Your aging report shows the condition of your receivable. Portfolio monitoring adds the changing credit picture around the customer carrying it.

HOW PORTFOLIO MONITORING WORKS

From Customer Portfolio to Credit Review

CONNECT

Add the customer accounts and A/R your team already manages.

MONITOR

Reklaim tracks score movement, payment behavior, exposure, and material credit events.

ALERT

Accounts are flagged when meaningful changes appear.

REVIEW

Open the customer record and see what changed alongside the full credit picture.

ACT

Maintain the current terms, review the limit, tighten terms, hold an order or move to COD.

BUILT FOR TEAMS MANAGING CANNABIS CREDIT RISK

Monitor Credit Risk Across the Cannabis Supply Chain

Cultivators and Brands

Monitor distributors and retailers while inventory is moving on terms.
Review account changes before another shipment increases the balance.

Distributors and Wholesalers

Manage credit risk across large books of retail accounts and focus attention on the customers that need review first.

Vendors and Service Providers

Monitor cannabis customers carrying Net 30, Net 45, or Net 60 balances. Identify significant changes in customer credit profiles before extending additional credit.

Lenders and Financial Institutions

Monitor significant changes in business credit profiles between reporting periods. Use daily alerts to identify accounts that warrant further review.

Frequently asked questions

Portfolio Monitoring FAQs

What is cannabis credit portfolio monitoring?

Cannabis credit portfolio monitoring is the ongoing review of customers that a business sells to on trade credit. It helps credit teams track changes in payment behavior, credit scores, A/R exposure, legal records, license status, and other material credit events after the account has already been approved.

How is portfolio monitoring different from a credit report?

A credit report provides a detailed view of a customer at the time you review it.
Portfolio monitoring keeps watching the account after approval and brings attention to material changes.

How is portfolio monitoring different from an A/R aging report?

An A/R aging report shows what a customer owes you and how old those invoices are. Portfolio monitoring adds information about how the customer’s broader credit position may be changing.

What does Reklaim Credit Solutions’ Portfolio Monitoring track?

Reklaim monitors significant changes in customer credit profiles, including CANNAFIX and ExposureScore movements, payment velocity, severe delinquencies, legal filings, cannabis license status changes, and relevant business news. Daily monitoring helps businesses identify emerging credit risks between reporting periods and determine which customer accounts need closer review.

How often are CANNAFIX and ExposureScore updated?

Scores are recalculated as new monthly A/R information enters the Reklaim network. Other monitored events may appear separately as they become available.

What is payment velocity decay?

Payment velocity decay occurs when a customer begins taking longer to pay than it did previously. A gradual shift from paying close to terms to consistently stretching payments can be an early reason to review the account.

Does Reklaim monitor liens and judgments?

Yes. Reklaim surfaces available legal events including judgments, tax liens, lawsuits, and other relevant filings that may affect a commercial credit review.

Does Reklaim monitor cannabis license changes?

Yes. License changes matter because a suspended, revoked, or lapsed license can affect the customer’s ability to continue operating and generating cash.

Can portfolio alerts be delivered by email?

Reklaim can send monitored credit alerts by email so your team does not have to rely only on checking the dashboard.

Can I monitor customers that have already been approved?

Yes. Existing customers are often where the largest exposure already sits.
Portfolio monitoring is designed to keep those accounts under review after the original credit decision has been made.

REKLAIM PORTFOLIO MONITORING

Don’t Wait for Your Invoice to Be the Warning Sign

Monitor the customers already carrying your A/R, see when the risk changes, and review exposure before another order adds to the balance.