Verzögerte Zahlungsflüsse durch manuelle Bonitätsprüfung

Definition

Wholesale vehicle sales on account depend on completion, review and approval of a credit application, often with external credit and identity checks before a trading account and limit are issued.[1] When this process is manual or incomplete, credit approval can stretch from the expected 3–8 business days to several weeks, identical to licensing and credit history verification delays observed in dealer licensing where incomplete documentation stalls processing for 4–6 weeks or more.[1][3] During this period, vehicles remain undelivered or unsold, invoices are not raised, and dealers must continue servicing floorplan or other wholesale finance lines on stock.[4] Assuming a mid‑size wholesaler turns over AUD 50m per year on 30‑day terms and average receivables days are extended by 3–5 days due solely to slow account setup, this ties up roughly AUD 410k–685k in additional working capital (50m/365*3–5). At a typical dealer finance rate of 7–10% p.a. on floorplan or working capital lines,[4] this equates conservatively to AUD 30k–70k per year in avoidable interest and financing costs. Additional soft losses arise from customers abandoning purchases when approval takes too long versus same‑day or sub‑hour approvals promoted as a competitive advantage by leading dealers and finance providers.[2][6]

Why This Matters

The Pitch: Wholesale motor vehicle players in Australia 🇦🇺 waste AUD 50,000–150,000 annually in working capital cost and lost interest due to slow manual customer credit setup. Automation of KYC, credit checks and approval workflows cuts approval from days to hours and reduces financing cost on floorplan lines.

Affected Stakeholders

Credit manager, Finance manager, Dealer principal, Wholesale account manager, CFO / Financial controller

Related Business Risks