How CALI Floors Scaled Credit without Growing the Team

CALI Floors is a leading supplier of high-quality, sustainable flooring products, servicing residential and commercial customers across the U.S. With a fast-growing customer base and a multi-step credit process, Dexter Morrison, the Credit & AR Manager at CALI Floors, needed a solution to streamline their credit application and approval process.

Before implementing Nuvo, Dexter and his team relied on a time-consuming, disjointed credit process that required significant back-and-forth between the sales team, credit team, and customers. The end-to-end process could take a week or more just to gather the information needed to make a decision and required manual work at every step:

1. PDF credit applications were sent to customers via email
2. Incomplete applications were often received, requiring multiple follow-ups
3. Credit reports were manually pulled from various bureaus
4. Trade references were followed up with repeatedly — sometimes ten or more times — with low response rates
5. Credit-worthiness was determined by the credit team, and summaries were written for each applicant
6. Bank reference replies were returned with limited details, making insight difficult

“It was clunky,” Morrison explains. “We’d send out a PDF, wait for it to come back, chase down trade and bank references, manually analyze credit, and send approval or denial decisions by email. It was a multi-step process that pulled us away from higher-value work.”

“It’s all right there: no email chains, no chasing, no big customer folders with documents attached. We make credit decisions in under 48 hours” said Morrison, after CALI Floors implemented Nuvo to fully automate and centralize their credit operations. Within days, the team was managing credit decisions faster, with greater accuracy and less effort:

• Integrated Digital Workflow: Credit applications are sent and completed electronically, with a bi-directional data sync with NetSuite that streamlines all data flows
• Auto-Collected Required Docs: Nuvo automatically gathers key data, including completed and signed credit applications, PGs, tax exemption documents, and requested credit amount
• Fully Customizable: Credit applications are customized to suit the specific needs of CALI Floors and their customers – for instance, the applications include custom fields that allow buyers to share specific information based on their type of request
• Built-In Credit Reports: Credit reports from CreditSafe, Equifax and Experian are included directly in the Nuvo application
• Detailed Banking Data: Live banking data from customers that includes account balances, NSFs, and transaction history, which offer greater transparency and fraud protection
• Hands-Free Reference Collection: Trade and bank reference requests are automated, with reminders sent at the click of a button
• Proactive Fraud Detection: Real-time alerts flag discrepancies or unverifiable information, helping mitigate fraud risks early

Now, Nuvo is key part of CALI Floors: “Once I started using Nuvo, I knew I’d never go back” explained Dexter Morrison.