Know who won’t pay, before they don’t pay.
Cannabis runs on trade credit. You’ve been extending it with blinders. Now you don’t have to.
The credit infrastructure every other industry has had for over 100 years. Finally built for cannabis.
A true third-party credit rating agency built by the foremost experts in predictive metrics and design specifically for the regulated Cannabis industry.
REKLAIM is to Cannabis what D&B is to every other consumer package goods in industry.
Rate counterparties, process credit applications, price risk, and extend trade credit terms on data. Not guesswork.
The cannabis supply chain runs on trade credit.
But nobody’s rating the risk.
Extended blind
Not one dollar backed by a credit score, a rating, or a bureau report.
Of your invoices are already past due
Triple the late payment rate of mainstream CPG. This isn’t bad luck. It’s The Industry.
Credit Bureaus who will help you
D&B, Experian, and CreditSafe don’t focus on operators. You’ve been on your own. Until now.
HOW REKLAIM WORKS
The more you share, the more you know.
Reklaim is a member network. Every company that contributes AR data makes the intelligence sharper for everyone. Your competitors are already flying blind. You don’t have to.
01 • CONTRIBUTE
Securely Contribute Your Monthly AR Data
Push anonymized AR aging data through our encrypted pipeline via direct ERP integration or CSV. No PII. No sales data. Just payment behavior. That’s your membership contribution.
Sage Intacct · QuickBooks · NetSuite · CSV
02 • MODEL
Ensemble Neural Networks, Trained in AR Data
Our models correlate payment behavior across thousands of tradelines, not just yours. Every counterparty re-scored monthly against the full industry signal. The bigger the network gets; the sharper every member’s intelligence becomes.
Ensemble NN · 40+ features ·
Re-trained quarterly
03 • ACT
Stop guessing. Start deciding and collecting.
Run a Reklaim Credit Application and pull a Credit Report before you extend. Set limits from recommended ceilings. Get alerted the moment a counterparty’s score shifts. Trigger collections on real signals, not overdue notices.
Web app · REST API · Webhook alerts
OUR PILLARS AND COMMITMENTS
Reklaim your risk.
The cannabis industry has been flying blind for too long. That ends now.
Better data
Every other scoring model was built on data from companies that look nothing like a cannabis operator. Reklaim is different. We built our intelligence from the ground up on real AR aging behavior from inside the cannabis supply chain. Actual payment history. Actual tradelines. Actual risk. Updated every single month.
Better insights
A credit score that trends. A recommended limit that moves with the risk. Alerts that fire the moment a counterparty’s payment velocity slows, a legal
filing hits, or a license lapses. You don’t just see where your customers stand today. You
see where they are heading before it shows up in your AR aging report.
Better decisions
Stop extending terms on gut feel. Stop onboarding
customers blind. Stop finding out you have a problem after you have a problem. With
Reklaim your credit team makes faster decisions, smarter decisions, and decisions they
can defend. Every time.
THE PRODUCT
Everything your credit team needs.
Built for cannabis. Finally.
A credit file for every counterparty you invoice. Stop making credit decisions on gut feel. Every company you sell to gets has a Reklaim Credit Report with a Reklaim Credit Score, a recommended credit limit, and a full payment history pulled from the network. Run a credit application in minutes. Know who you’re dealing with before you ship.
The Reklaim Credit Report
Everything you need to make the right credit decision in one report
The Reklaim credit report is the only comprehensive credit intelligence file built exclusively for cannabis operators. In one document, you get everything you need for a confident credit decision, set the right limit, monitor ongoing risk, and act before a problem hits your books.
- BUILT EXCLUSIVELY FOR CANNABIS OPERATORS
1. Summary Section
2. Credit Score History
(12 Months)
3. Company Information
5. Individual Tradelines
4. License Information
6. Public Records
7. Additional Key Credit Considerations
8. Payment Alerts
9. News and Media Mentions
One report. One network. A faster, smarter credit decision.
Portfolio Monitoring Alerts
For most cannabis vendors today, onboarding a new customer means sending a PDF, waiting days for it to come back incomplete, chasing down references that never respond, and ultimately making a credit decision based on a gut feel and a handshake. That process ends with Reklaim.
WHAT REKLAIM MONITORS
HOW ALERTS WORK
The Reklaim CANDEX™ Score
The Reklaim CANDEX™ Score is a proprietary score built exclusively for cannabis operators, derived from real trade payment data contributed by Reklaim network members.
The Reklaim Credit Score is built from the ground up on actual AR aging behaior across the cannabis supply chain. Member companies securely contribute anonymized AR aging data monthly and Reklaim’s ensemble neural network models correlate payment patterns across thousands of tradelines to score every counterparty in the network.
The score is recalculated montly against the full industry signal, meaning it reflects how a company actually pays its vendors right now, not how it looked on paper a year ago. The result is a dynamic, cannabis-specific credit score that tells you not just whether a counterparty is a risk, but how that risk is trending, what credit limit is recommended, and when to act before a problem hits your AR aging report.
HOW TO READ THE SCORE
MONTHLY TRENDING MATTERS
WHY REKLAIM IS DIFFERENT
The score + the trend + the recommended limit = a faster, smarter decision
Credit Application Platform
COMING SOON
A credit file for every counterparty you invoice. Stop making credit decisions on gut feel. Every company you sell to gets a Reklaim Credit Report with a Reklaim Credit Score, a recommended credit limit, and a full payment history pulled from the network. Run a credit application in minutes. Know who you’re dealing with before you ship.
HOW IT WORKS
A vendor sends a branded digital credit application link to their new customer. The applicant completes application online, with the submission going directly to the Reklaim system. Reklaim instantly cross-references the application against the network, pulls the counterparty’s Credit Report and Credit Score, applies your credit policy. Reklaim delivers a recommended decision with a suggested credit limit. What used to take days takes minutes.
For most cannabis vendors today, onboarding a new customer means sending a PDF, waiting days for it to come back incomplete, chasing down references that never respond, and ultimately making a credit decision based on a gut feel and a handshake. That process ends with Reklaim.
WHAT IT IS
The Reklaim Credit Application Platform is a digital, cannabis-specific credit application and decisioning system that replaces the manual onboarding process with a structured, data-driven workflow. From the moment a new customer wants to buy on terms, Reklaim manages the entire process from application to decision.
WHAT THE PLATFORM DOES
BUILT FOR THE INDUSTRY
If you extend terms in cannabis, you need Reklaim.
Why This Matters
What happens when one big account goes bad
One operator failure in your portfolio doesn’t just hurt your AR. It can take down your quarters, your banking relationship, and your standing with your own leadership. And it will happen without warning unless you see it coming.
2.24 Billion
Unpaid cannabis invoices
60%
Businesses report cash flow strain
90+ Days
Average day sales outstanding
1 in 5 Operators
Operators face financial distress annually
The impact on you
P&L hit
Cash flow strain
Lender pressure
Leadership risk
What Reklaim sees first
- Inquiry data as an early warning signal
- Credit score outputs: Probability of future payment behavior + risk of delinquency
- Company profile, ownership structure, related entities, DBAs, and subsidiaries
- Trade payment cross-validated across 3+ independent wholesale sources
- Reklaim Code: A unique identifier for every cannabis company
What Reklaim helps you do
- Customizable policy engine for automatic approvals, holds, and denials
- Mobile-friendly paperless application with e-signature
- Salesforce integration, plus QuickBooks and NetSuite
- Portfolio-level risk dashboard sorted by total exposure, risk tier, and delinquency potential
- 130+ years of combined credit and cannabis expertise
Try Reklaim
Free for three months. No strings.
Available Now. No credit card required.
90 days of full access. On the house.
Extend terms on
community-driven data
Reklaim Credit Solutions
What Reklaim Monitors
Credit Score Movement. Every counterparty in your portfolio is rescored monthly against the full network signal. If a customer’s score drops a tier, you get an alert. A score moving from Fair to Poor is not a coincidence. It is a pattern. And patterns are visible weeks before a payment problem lands in your AR aging report.
Payment Velocity Decay. When a counterparty starts slowing down across multiple vendor relationships in the network, that behavior shows up in the data before it shows up on your invoice. Reklaim flags it the moment the trend starts moving in the wrong direction.
Severe Delinquency. When a counterparty hits 90 plus days past due with any member of the Reklaim network, you get a high severity alert immediately. Not because they owe you money yet. Because the pattern of who they are paying and who they are not tells you exactly where your invoice stands in their priority stack.
Legal Filings. New lawsuits, judgments, tax liens, and UCC filings are surfaced in real time. A fresh lien or an unsatisfied judgment against a counterparty you are carrying $50,000 of AR on is material information that changes your collections posture today.
License Status Changes. A suspended or revoked license in a cannabis business is a revenue event. If a counterparty loses their retail or distribution license they lose their ability to generate the cash flow they use to pay you. Reklaim flags license status changes the moment they hit the record.
NSF and Returned Payments. A returned check is one of the single strongest predictors of broader payment deterioration. When a counterparty bounces a payment to any Reklaim network member, that event is captured and surfaced as a medium severity alert across the network.
News and Media Mentions. When a counterparty appears in industry press for financial distress, regulatory issues, or operational problems, Reklaim surfaces it inside your portfolio dashboard. The news often moves before the payment behavior does.
What the platform does
Standardizes your onboarding process. Every new customer goes through the same structured application. No more inconsistent paper forms, missing fields, or lost faxes. Every application is tracked, time-stamped, and stored.
Delivers an instant credit decision. The moment an application is submitted Reklaim pulls the Credit Report, scores the counterparty, and generates a recommended approval, conditional approval, or decline with a suggested credit limit based on the data. Your credit manager reviews and approves in one click.
Manages your application pipeline. The dashboard shows every application in real time, status by status: pending review, approved, conditional, declined. Your team always knows exactly where every new account stands.
Creates a defensible credit file from day one. Every decision is documented with the data that drove it. If a customer goes bad six months later and asks why their limit was set at a certain level, you have a complete, time-stamped audit trail that protects your company.
Connects to the Reklaim network. Every application triggers a full network data pull so your decision is based not just on what the applicant tells you about themselves but on how they actually pay every other vendor in the cannabis supply chain who is a Reklaim member.
How Alerts Work
Alerts are tiered by severity, so your team knows exactly what requires immediate action and what requires monitoring.
A HIGH severity alert means act now. Garnishment proceedings, 90 plus day delinquency, unsatisfied judgments, or active tax liens on a counterparty you are carrying significant AR on. This is a collections conversation today.
A MEDIUM severity alert means watch closely. Slow pay patterns across multiple vendors, returned payments, score drops of 10 or more points. This is a credit limit review and a proactive call to the customer before it escalates.
A LOW severity alert means be aware. Minor score movement, a single late payment, a new UCC filing. Nothing requires immediate action but worth having on your radar.