Your workshop is profitable. Your cash says otherwise.
Service operations have a timing problem. Parts, payroll, and rent go out every day. Payments come back in 30, 60, sometimes 120 days — fleet credit terms, insurance claims, warranty reimbursements. The gap between cash out and cash in is where working capital gets trapped. BayWise Payments closes that gap — with a live collection queue, structured day close, and the financial visibility to act daily instead of monthly.
The alternative to spreadsheet collections and disconnected accounting.
At $200K/month service revenue, reducing DSO from 45 to 25 days frees $133,000 in working capital.
The cash flow gap nobody measures
Your service department looks busy. Cars are moving, technicians are working, parts are selling. But the cash tells a different story.
The gap between these two is financed by your balance sheet. The longer the cycle, the more borrowing, the more interest, the slower you grow.
Two workshops can generate identical service revenue. One grows comfortably. The other constantly struggles with cash. The difference is how quickly cash spent today comes back into the bank.
Three things change when cash flow becomes visible
Collection Queue — screenshot coming soon
Everything your service operation needs to convert revenue into cash
Collection Queue
Every open receivable in one screen — retail, fleet, insurance, warranty. Overdue, Due Today, Watch. The cashier starts with red, works to green.
Without it: cashiers chase invoices from memory → 15–25% of AR slips past 90 days
Vehicle Ledger
Per-job financial card. Quoted, invoiced, collected, outstanding — with insurance and warranty portions tracked separately. The advisor sees the position without calling finance.
Without it: nobody tracks cash at the repair order level — revenue ≠ cash received
CFO Dashboard
AR aging, DSO trend, collection rate, payment method mix, vendor payables, and 14-day cashflow projection — live, not month-end.
Without it: financial visibility arrives 30 days too late to act on aging receivables
Payment Links
Send a payment link via WhatsApp or SMS. Customer pays from their phone. Transaction records automatically. 60% average completion rate.
Without it: customers who leave without paying require phone calls and follow-ups
Day Close
Structured end-of-day in 4 minutes. Review inflows and outflows, count cash, reconcile variance, lock the day. No transactions can be added after close.
Without it: 30–45 min/day reconciliation — or it gets skipped entirely, and variances compound
Recurring Obligations
Rent, payroll, franchise fees, insurance premiums. Set once, get reminded automatically. No missed payments when the finance manager is on leave.
Without it: missed vendor payments → tightened terms → cash-on-delivery requirements
Insurance & Warranty Tracking
Customer excess and insurer portion tracked separately. Warranty claims tracked from submission to reimbursement. See exactly which claims are aging and why.
Without it: insurance AR ages silently past 90 days — approved repairs sit uncollected
Cashflow Calendar
14-day forward projection. See when money is expected to arrive and when obligations are due. Plan ahead, not in arrears.
Without it: cash shortfalls discovered when the vendor invoice is already overdue
Multi-Location Control
Standardised workflows, per-location processors, cross-location dashboard. One view across all brands and ERPs — consistent day close at every site.
Without it: month-end = a week consolidating spreadsheets from every location and brand
Your DMS tracks operations. Your ERP closes books. Nobody manages the gap.
Follow one repair order's cash journey — from the workshop floor through five different systems — and see where 68 days of working capital gets trapped.
Your DMS tracks operations. Your ERP closes books. Nobody manages the gap.
BayWise Payments sits between your workshop floor and your accounting system — managing the cash journey that existing tools were never designed to see.
| Capability | DMS | Accounting / ERP | Spreadsheet | BayWise |
|---|---|---|---|---|
| Real-time collection queue | ✗ | ✗ | ✗ | ✓ |
| Cash tracking per repair order | ✗ | ✗ | ✗ | ✓ |
| Insurance & warranty AR aging | ✗ | ~ | ✗ | ✓ |
| Structured day close | ✗ | ✗ | ✗ | ✓ |
| Predictive cashflow (14-day) | ✗ | ✗ | ✗ | ✓ |
| Cross-silo visibility | ✗ | ~ | ✗ | ✓ |
| Multi-location dashboard | ✗ | ~ | ✗ | ✓ |
| Cross-brand consolidation | ✗ | ✗ | ✗ | ✓ |
Analytics & Insights
Every metric a dealer principal watches — live, not month-end
Financial visibility shouldn't arrive 30 days late. BayWise tracks working capital cycles, AR aging, warranty risk, and cashflow projections — updated with every transaction.
AR Aging Buckets
Current, 30-day, 60-day, 90+ day breakdown. Retail, fleet, insurance, and warranty separated. See exactly where your money is stuck.
Working Capital Cycle
How many days for cash spent today to come back? Track the trend across your business and each location.
Warranty & Insurance at Risk
Claims likely to be rejected or delayed — flagged before they age, not after month-end.
Cashflow Calendar
14-day forward projection. Expected inflows vs committed outflows. Plan ahead, not in arrears.
Revenue Leakage
Unbilled jobs, missed labour charges, uncaptured parts. Revenue earned but never collected — tracked and surfaced.
Location Leaderboard
DSO, collection rate, and insurance AR aging ranked across all locations. Spot underperformers early.
How much working capital is trapped between "job done" and "cash received"?
Every day your DSO stays high, that money is financing your receivables instead of growing your business. Reduce the gap by 15 days and the working capital freed up dwarfs the cost of any system.
Calculate your recoverable working capital
Select a profile or adjust the sliders. See how much cash is trapped in slow collections.
See this in action with your real financial data.
One platform, every workshop type
Whether you run 5 bays or 500, BayWise adapts to your operation.
Dealer Principal / Group CEO
Runs 5–20+ locations across one or multiple brands. Revenue looks strong but cash is always tight. Needs working capital days to shrink — not another monthly report.
CFO / Finance Director
Monthly reports arrive too late — warranty receivables are aging, insurance claims are stuck, inventory is excessive. Needs daily cash position visibility across every location.
Workshop Owner
5–15 bays, running on spreadsheets and memory. Needs live AR aging, same-day collection rates, and the confidence that nothing slips past 90 days.
Cashier / Service Advisor
Manages daily collections at the front desk. Needs a single screen showing what to collect, from whom, and how. Day close in 4 minutes instead of 40.
Cash flow management that pays for itself — from the first day close
Your receivables already have the money. BayWise Payments makes it visible, trackable, and collectible — whether you run one workshop or fifty.
Free plan. 1 location. No credit card. Collecting by lunch.