AR Dashboard — Credit Risk & Customer Creditworthiness Monitoring

Carrington Industrial Holdings LLC • Specialty Chemicals & Industrial Materials Distribution

$398M Annual Revenue • 820 Active Credit-Approved Customers • $48.9M AR Outstanding vs. $147.3M Total Approved Limits

Bad Debt Write-Off Rate
0.74%
▲ 0.23pp vs PY
$2.96M YTD
Portfolio Credit Utilization
33.2%
▼ 1.4pp MoM
$48.9M / $147.3M
Exposure Concentration
18.4%
▲ 2.1pp QoQ
Top 10 Customers
Avg Payment Behavior Score
73.2
▼ 2.8 pts QoQ
Scale 0-100
Credit Hold Rate
4.7%
▲ 1.2pp MoM
$3.8M Orders Blocked
Watchlist Conversion Rate
12.3%
▲ 3.1pp QoQ
42 Accounts Active

Credit Risk Matrix — Utilization vs. Payment Behavior

Exposure Concentration by Customer

Days Beyond Terms Trend (13-Week)

Limit Headroom Distribution

External Credit Score Delta

New Customer Approval Cycle Time

8.2 days
▼ 1.3 days vs Target
0 days Target: 9.5 15 days
Average across 68 new approvals (trailing 90 days)

Watchlist Account Detail — Critical & High Risk

Customer Name Industry AR Outstanding Credit Limit Utilization Payment Score PAYDEX Δ DBT (Days) Risk Level
Hargrove Manufacturing Construction/Steel $1,824,300 $2,100,000 86.9% 62 -11 18 Critical
Precision Dynamics Corp Manufacturing $987,500 $1,200,000 82.3% 68 -7 12 High
BlueSky Retail Group Retail $1,456,200 $1,800,000 80.9% 71 -5 9 High
Cornerstone Healthcare Supply Healthcare $742,800 $950,000 78.2% 74 -4 7 High
Apex Construction Materials Construction $1,234,600 $1,650,000 74.8% 69 -8 14 High
TechBuild Systems Inc Manufacturing $896,400 $1,250,000 71.7% 76 -3 5 Moderate
Greenfield Industrial Partners Construction $1,567,900 $2,200,000 71.3% 72 -6 11 High
Summit Retail Solutions Retail $634,200 $900,000 70.5% 77 -2 4 Moderate

Overdue Exposure by Industry Segment

Credit Hold Rate & Revenue Impact

Payment Behavior Score Distribution (Portfolio Heatmap)

Score Range
0-20
21-40
41-60
61-80
81-100
Construction
12
28
45
67
34
Manufacturing
8
19
52
98
71
Retail
6
14
38
84
49
Healthcare
3
7
21
62
58
Cell values represent number of accounts in each score range by industry

Credit Utilization Rate by Customer Tier

Credit Risk Portfolio Summary — Trailing 12 Months