For any business that extends credit to customers manual debtor management can be a cumbersome process. We have integrated Xero with Pencil and are already seeing the effects of tighter debtor management, better cash flow and our BDMs concentrating on what they do best - sales not debt collecting. Tim has also been generous in extending his time to us to get the most out of the platform. We could not recommend this product more and we are confident we will see more benefits as our business grows.

Chasing customers for payment was never something I enjoyed doing. Pencil not only automates this process, It handles credit applications, payments and has the ability to charge customers if they fail to make timely payments, which gives peace of mind. The Pencil team is great, they're always quick to provide assistance when needed.

I first heard about Pencil via a recommendation from a business who is a collaborative partner with Pencil. Their role is to work with businesses like CMI Accessories and offer integrated solutions to improve business efficiency and compliance practices. The decision around progressing with the Pencil platform was essentially two fold. Firstly, the internal business decision around further improving our internal processes for credit card payment…..specifically around storage of details and automated processing as well as introducing a more automated process for the onboarding of new customers and the re-onboarding of long term customers in an exercise to review credit limits and ensure the most up-to-date customer information was confirmed. Secondly, it was the approachable nature of the Pencil business and their willingness to assist CMI Accessories and act as a true B2B partner. At CMI Accessories, our customer on-boarding process was very manual and relied on out-dated practices…....the completion of a paper form. Ultimately, it was time to improve efficiency in dealing with our customers and simply make it easier for our customers to deal with us. At CMI Accessories, we use Pencil for: • Customer on-boarding and the application process • Credit checks • Storage of credit card details for automatic processing for customers trading with CMI Accessories on a ‘pay as you go’ basis • Payment gateway on our B2B website (I guess I can only say this in a month or two once it is completed) The two main factors that make Pencil a great solution for CMI Accessories are: 1. The business relationship between CMI Accessories and Pencil. a. In a relatively short period of time we have formed a positive working relationship centred around working collaboratively and delivering on positive business outcomes that work for both parties 2. The overall solution itself a. We now have a solution in place that addresses our requirements for today as well as what is required for future business growth Both Tim and Greg have been great to work with and I highly recommend their product and service.