Multi-location plumbing parts distributors operate on high-ticket, low-frequency transactions, tight margins, and extended payment terms. The friction isn’t selling product — it’s getting paid, paying suppliers, and reconciling the mess across branches.
Friday, January 23, 2026
by
Cashflow.io
Smarter Payments. Better Cashflow. Without Replacing Your ERP.
The Problem: Where Plumbing Distributors Bleed Time and Margin
Multi-location plumbing parts distributors operate on high-ticket, low-frequency transactions, tight margins, and extended payment terms. The friction isn’t selling product — it’s getting paid, paying suppliers, and reconciling the mess across branches.
Common pain points:
Fragmented payments across multiple locations, bank accounts, and MIDs
Manual AR/AP processes tied to phone orders, emailed invoices, and cheques
High credit card fees eating margin on large orders
Delayed cash collection and unpredictable cashflow
Accounting teams buried in manual reconciliation and settlement matching
ERP systems that are critical — and untouchable
The Reality: Legacy Processes Don’t Scale
Most distributors bolt payment tools onto legacy workflows:
One-off gateways per branch
Spreadsheets for tracking deposits
Manual posting in the ERP
No visibility by location, customer, or payment method
Result: Operational drag, cashflow risk, and unnecessary costs.
The Cashflow Solution: Centralized Control. Local Flexibility.
Cashflow is a payments and reconciliation layer purpose-built for complex, multi-location businesses that sell on terms.
1. One Platform. Multiple Locations.
Manage multiple branches, MIDs, currencies, and bank accounts in one system
Route payments automatically to the correct location and ledger
Enforce role-based permissions by branch, function, or region
Outcome: Corporate-level control without slowing down local operations.
2. Faster, Lower-Cost Collections (Without Customer Pushback)
Accept credit card, EFT/ACH, and Bring-Your-Own-Processor payments
Enable compliant credit card surcharging to recover up to ~2–3% on large orders
Send payment links tied directly to invoices (email, SMS, or portal)
Outcome: Faster payment cycles, reduced processing costs, and improved margins — especially on high-value orders.
3. ERP-Safe by Design
Integrates with accounting and ERP systems without forcing rip-and-replace
Supports Level 2 & Level 3 data (POs, invoices, line items) for corporate and purchasing cards
Two-way syncing ensures invoices, payments, partials, refunds, and voids stay aligned
Outcome: Clean books, fewer errors, zero double entry.
4. Automated Reconciliation That Accounting Actually Trusts
Processor-accurate settlement reports mapped to invoices
Automatic matching of deposits to transactions
Eliminates manual end-of-month cleanups
Outcome: Accounting closes faster with fewer headcount hours.
5. Payables That Match How Distributors Actually Operate
Send payments to suppliers by card or bank transfer
Batch and schedule payments across locations
Maintain audit trails and approval controls
Outcome: Better supplier relationships and tighter cash control.
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