Collections for Retail & E-commerce
Manage growing B2B and B2C credit exposure from rapid post-pandemic expansion. Recover supplier, franchise, and consumer receivables efficiently.
The Challenge
Rapid Growth Outpacing AR
E-commerce expansion and post-pandemic growth create receivables faster than internal teams can collect.
Fragmented Supplier Base
Invoice disputes, timing misalignment, and informal payment practices across hundreds of suppliers and partners.
Cash Flow Pressure
Growing retailers face tight margins. Delayed B2B payments and unmanaged B2C credit exposure threaten operations.
Before and After Itmam
| Metric | Before | After |
|---|---|---|
| Recovery rate | 50-70% | 70-80% |
| Time to collection | 60-120 days | 30-45 days |
| Supplier relationships | Strained | Preserved |
| B2C credit recovery | Unmanaged | Automated |
| Cost per recovery | High (legal) | Performance-based |
Retail-Specific Capabilities
B2B invoice recovery
Automated follow-up on supplier invoices, franchise fees, and partner payments with dispute-aware communication.
Consumer credit collection
Recover B2C credit exposure from BNPL, store credit, and layaway programs at scale.
VAT compliance integration
Collections aligned with GCC VAT documentation requirements, ensuring payment trails meet regulatory standards.
Seasonal volume handling
Scale collections capacity automatically during peak retail seasons without additional hiring.
Ready to recover more?
Every percentage point of recovery improvement on a $200M portfolio generates $2M in annual benefit.