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Onboard new customers with confidenceEnable customers to pay on timeEmpower Accounts Receivable to collectReduce credit card fees and drive ACH paymentsEliminate payment risk with autopayInstant credit decisions with cross-vendor insightMonitor sales, payments, and riskDedicated customer supportConnect the sales team with real-time data
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Onboard new customers with confidenceEnable customers to pay on timeEmpower Accounts Receivable to collectReduce credit card fees and drive ACH paymentsEliminate payment risk with autopayInstant credit decisions with cross-vendor insightMonitor sales, payments, and riskDedicated customer supportConnect the sales team with real-time data
TestimonialsPartnersIntegrationsBlog
SupportLog InSchedule Demo

Lighthouse powers instant credit decisions

Stop flying blind. See how prospects and customers pay other vendors, predict who's likely to default, and set terms based on facts—not guesswork.

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Wholesail runs the largest AR and credit-workflow network in food & beverage — 400+ vendors, 100,000+ buyers, and billions processed annually

Ways to use Lighthouse

New Customer Onboarding

Skip the guesswork. Instantly see how a prospect pays other suppliers, assess their default risk, and set terms with confidence.

Existing Customer Monitoring

Track how a customer pays you versus other vendors and gauge their risk of default. Spot trouble early so AR can tighten limits or terms before issues escalate — and identify low-risk customers where extending better terms can drive larger orders.

Prioritize Based On Risk

Not every past-due customer is a loss waiting to happen. The Risk of Default score separates slow payers from genuine credit risks so your team acts where it matters.

AR teams often have more collection issues than they have time to manage. The score focuses on accounts showing real warning signs — like stretching payment cadence, carrying unusually high open balances, or falling behind with multiple vendors — rather than chasing every overdue invoice equally. It flags changes in behavior before they become write-offs, so you can intervene while there’s still a chance to collect.

Learn the story behind the risk score in this blog post.

Keep Terms Aligned With Risk

The terms you set at onboarding may not fit today. The Risk of Default score shows where to pull back—and where better terms could grow the relationship.

It reveals low-risk customers who may be on overly conservative terms. Our research shows that buyers place larger orders when given longer terms & may switch to a vendor that offers better payment terms. Identifying these opportunities across your portfolio turns credit policy into a growth lever, not just a safeguard.

Just as importantly, the Risk of Default score helps you spot higher risk accounts where tighter terms are warranted.

How we protect your sensitive business information

Protect contributor privacy

Contributor names are never revealed—tradelines show vendor type only—and reports appear only in regions where anonymity thresholds are met.

Prevent exploitation

Data may be used only for credit and AR purposes—never for pricing, prospecting, or resale. We monitor compliance and can audit suspected misuse.

Reciprocal data sharing

Give to get. Access to anonymized Lighthouse reports is limited to participating contributors; Wholesail does not sell tradeline data.