Stop losing deals because of payment terms, slow approvals, and inconsistent credit decisions
Manufacturers and importers face the same cycle: sales wants to offer terms, finance rejects the risk, deals stall, cash conversion slows. FiSale breaks that cycle with a policy‑driven trade credit decisioning layer that works inside your ERP.
The reality for manufacturers today
These four friction points cost you millions in lost revenue every year.
1. Lost deals due to payment terms
Buyers need 30–90 day terms. Without a structured offer, they walk – or buy from a competitor who provides trade credit.
2. Dealers / distributors delay cash conversion
Your channel partners take longer to pay, stretching your working capital and slowing reinvestment.
3. Internal finance rejects sales-led credit requests
Sales reps negotiate terms, but finance says “no” because of inconsistent risk assessment – leading to friction and lost revenue.
4. Inconsistent approvals across regions or teams
One region accepts 75% LTV, another rejects similar deals. No standard policy = financial leakage and audit risk.
FiSale solves all four simultaneously
Embedded trade credit decisioning → real‑time approvals, consistent policies, full audit trail, and optional liquidity without balance sheet strain.
FiSale is a policy-driven trade credit decisioning layer that sits inside your sales workflow. It evaluates customer eligibility in real time and presents structured financing options based on your risk rules, credit thresholds, and business constraints.
You define the credit policy. The system enforces it consistently across every transaction in real time – eliminating inconsistent approvals and sales‑finance friction.
How FiSale breaks the bottleneck
1. Set consistent credit policy
Define credit score floors, DTI caps, years in business, default rules – once. No regional variation.
✔ Solves inconsistent approvals
2. Real‑time decisioning at POS
When a sales rep creates an invoice, FiSale evaluates instantly and returns structured options (cash, bank credit, trade credit).
✔ Ends sales‑finance friction, speeds cash conversion
3. Close more deals, keep cash flowing
Customers choose financing. You receive down payment upfront; optional invoice discounting turns receivables into immediate cash.
✔ Solves lost deals & dealer cash delays
POS / ERP Integration
FiSale integrates directly into your existing ERP or POS system. Credit evaluation is triggered at the point of transaction initiation within your ERP or POS workflow – no manual intervention.
- Real-time credit decisioning inside sales flow
- API-first integration with major ERP systems
- Reduced manual underwriting for finance teams
- Fully auditable decision logic for accounting and compliance teams
Every decision is fully explainable
Finance teams see exactly why a credit request is approved or adjusted:
This ends the “finance vs. sales” blame game and ensures consistency across regions.
Interactive credit decisioning engine
Adjust customer profile and internal credit policies to see how FiSale evaluates eligibility and generates financing options in real time. This demonstrates how manufacturers can control credit exposure while increasing sales conversion.
Customer profile (PKR)
Your credit policy (configurable)
Cash / Upfront Payment
Full invoice settlement via transfer or cash equivalent. Immediate revenue recognition, zero credit exposure.
PKR 2,750,000
✅ Always eligible
Bank Financing
External credit provider funds structured payment plans within defined LTV limits.
PKR 1,100,000
Manufacturer Trade Credit
Manufacturer extends structured payment terms within defined credit policy limits, with optional receivables management via external liquidity partners.
PKR 687,500
Why leadership teams choose FiSale
Clear, strategic messages tailored to each executive's core objectives and pain points.
CFO
Balance sheet & risk
CTO
Integration & architecture
CMO
Sales acceleration
CSO
Strategy & growth
CEO
Enterprise value
Stop losing deals to payment term friction
See how FiSale aligns sales, finance, and operations – with real‑time credit decisioning and full auditability.