Predictive Credit Ratings and Reports for Cannabis
Know who won’t pay
Before they don’t pay
Cannabis runs on trade credit, extended almost entirely on gut feel. Reklaim Credit Solutions is a third-party credit reporting and rating agency built by the foremost experts in predictive metrics and designed specifically for the regulated cannabis industry. Rate customers, price risk, and extend trade credit terms on data.
Monthly
Re-scored on live AR data
9 sections
In every credit report
130+ yrs
Combined credit expertise
The reality
The cannabis supply chain runs on trade credit — and nobody is underwriting it.
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.
$Billions
Unpaid cannabis invoices
Much of the cannabis trade credit is extended without a credit score, rating or agency file behind it.
60%
Cash flow strain
Past-due receivables put significant pressure on cash flow for cannabis businesses.
90+ days
Average DSO
Late payments are common across the cannabis supply chain, pushing receivables well beyond normal payment terms.
Zero
Legacy credit agencies
D&B and Experian are not built around cannabis-specific trade credit data, leaving operators with limited visibility into customer risk.
The more you share, the more you know.
How Reklaim Credit Solutions works
Reklaim Credit Solutions 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.
Send your monthly AR aging
Anonymized aging data through an encrypted pipeline — ERP integration or CSV. No PII, no sales data. Just payment behavior.
Scored against the whole network
Ensemble neural network models correlate payment patterns across thousands of tradelines — not just yours — and re-score every month.
Decide, set credit limits, reduce risk
Pull a Reklaim Credit Report before you extend. Set ceilings from the recommended credit limit. Get alerted the moment a score shifts and act on signal, not overdue notices.
Reklaim your credit risk.
Our pillars and commitments
The cannabis industry has been flying blind or using backwards-looking information for too long. That ends now.
Better Data
Every other credit scoring model was built on data from companies that look nothing like a cannabis operator. 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 credit risk. Updated every single month.
Better Insights
A credit score that trends. A recommended credit limit that moves with the credit risk. Alerts that fire when 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. Your credit team makes faster decisions, smarter decisions, and decisions they can defend. Every time.
Two proprietary scores
The Reklaim CANNAFIX Score and the Reklaim ExposureScore
Both are built exclusively for cannabis operators and derived from real trade payment data contributed by Reklaim network members. One tells you how the market gets paid. The other tells you how you get paid.
Reklaim CANNAFIX Score
Built from the ground up on actual AR aging behavior across the cannabis supply chain. Members securely contribute anonymized AR aging data monthly, and our ensemble neural network models correlate payment patterns across thousands of tradelines to score every company in the network.
It is recalculated monthly against the full industry signal, so it reflects how a company pays its vendors right now — not how it looked on paper a year ago. You see whether a customer is a risk, how that risk is trending, what credit limit is recommended and when to act.
Reklaim ExposureScore
Built on the same ensemble neural network models, but scored solely from your own monthly AR files and specific to your customers’ payment performance with you.
It shows how your customers actually perform against your terms — which is often very different from how they treat the rest of the market. Use it to tighten terms and prioritise collections.
Every score maps to a decision, not an opinion.
Very poor — Hold or decline credit.
Poor — Tight credit limits or COD.
Fair — Moderate exposure — monitor closely.
Good to excellent — Approve with confidence.
The score + the trend + the recommended limit = a faster, smarter decision.
Monthly trending matters
A static score misses the warning signs. Reklaim tracks how payment behavior changes month by month, so you can spot deterioration weeks before a customer goes dark.
Why Reklaim Credit Solutions is different
A credit rating and reporting agency built on real cannabis AR data. Reklaim Credit Solutions delivers a predictive Reklaim ExposureScore and CANNAFIX Score, suggested credit limits and full reports — not just a list of who paid late last month.
The credit report
Get A Credit Report on Every Customer
The Reklaim Credit Report is a comprehensive credit intelligence file built exclusively for cannabis-related operators. In one document, you get everything you need for a confident credit decision, to set the right limit, monitor ongoing risk, and act before a problem hits your books. The reports will populate with additional tradelines as our contributory subscriber base grows.
01. Summary section
CANNAFIX Score, risk tier, recommended limit, average days past due, total overdue A/R and % A/R past due in one view. A go or no/go decision in under 60 seconds.
02. Score history
A trend line showing how the CANNAFIX Score moves over time — the difference between a weak account and a collapsing one. If this is a customer in your portfolio, the trend line will show your ExposureScore compared to the CANNAFIX Score.
03. Company information
Legal entity, DBA, parent structure, business type, year established, employee count, state of formation and license status.
04. License information
Every license held, its status, issue date and expiration. In cannabis, license health is credit intelligence.
05. Individual tradelines ExposureScore
Individual Trade Line ExposureScore – for every company submitting their AR on a customer, we will show you their individual ExposureScore and a roll up of the aging of all in a Current, 1-30, 31-60, 61-90 and 99+ view.
06. Public records
Suits, judgments, federal, state and county tax liens, UCC filings and Mechanics Liens surfaced in one place instead of days of manual research.
07. Key credit considerations
Critical risk indicators, including license suspensions, tax delinquencies, liens, judgments, UCC filings, and average days to pay benchmarked against the industry average.
08. Payment alerts
High, Medium, and low severity alerts for slow-pay behavior, 90+ delinquencies, returned NSF payments, garnishment proceedings, and other real-time risk events.
09. News and media
Public narrative connected to payment behavior so credit managers see the full picture, not just the ledger.
Portfolio monitoring
Portfolio monitoring alerts
Reklaim Credit Solutions monitors your entire portfolio every single month, not just onboarding. Your customers aren’t scored once and then forgotten. The Reklaim ExposureScore and CANNAFIX Score trend over time, and the suggested credit limit adjusts with risk as new AR aging data comes in. When a customer’s payment velocity slows, a legal filing hits or a tax lien is filed, or a license lapses, an alert fires online and is pushed to you through email.
- Tighten terms before the exposure grows
- Pause a shipment instead of chasing an invoice
- Trigger collections on signal, not on age
Coming soon
Credit Application Platform
In the B2B world, having a new customer complete a credit application is standard. Reklaim Credit Solutions brings that methodology to cannabis: send a digital credit application to a prospect before you extend a single dollar of trade credit, they fill it out online, and the information flows straight into our system.
How it works
What it is
What you get back
Why this matters
One bad account doesn't stop at your AR.
It moves through the business in a predictable sequence. Here’s where it ends up — and how far in advance Reklaim Credit Solutions can interrupt it.
P&L Hit
Bad debt reserves start on your balance sheet and then move to your P&L. The cash never comes in and your equity value is directly impacted. Preventing losses preserves value for you and your shareholders.
Cash Flow Strain
Getting paid N90 is fine if that’s what you anticipate, not so much if you’re forecasting for N30. Reklaim’s credit intelligence can protect you from extending bad credit but can also help you manage your cash timing.
Lender Pressure
Looking to secure your receivables? Evidence of the value of your portfolio NEEDS third party credit scoring and reporting. Your lending costs should go down and more capital might be available to fund growth.
Leadership Risk
Pressure from sales to close the deal, any deal, even in the absence of credit intelligence is a challenge for all business leaders. Third party commercial credit reporting can strengthen not only your conviction, but also your authority.
Reklaim Credit Solutions interrupts the sequence at stage zero — before the invoice is ever issued.
What Reklaim Credit Solutions sees first
- Inquiry data as an early warning signal
- Probability of future payment behavior and risk of delinquency
- Ownership structure, related entities, DBAs and subsidiaries
- Trade payment cross-validated across 3+ independent sources
- A Reklaim Code: one unique identifier per cannabis company
What Reklaim Credit Solutions helps you do
- A policy engine for automatic approvals, holds and denials
- Paperless, mobile-friendly application with e-signature
- Integrations and API with major accounting software including Salesforce, QuickBooks and NetSuite, more and more to come.
- Portfolio dashboard sorted by exposure, tier and delinquency risk
- 130+ years of combined credit and cannabis expertise
Who it's for
Built for everyone who extends terms in cannabis.
Cultivators & brands
Know which distributors will pay before you ship pallets to their warehouse.
Distributors & wholesalers
Make credit decisions on industry-wide payment data, not just your own history.
Vendors & service providers
Protect margins on packaging, equipment, testing and payment processing.
Lenders & financial institutions
Credit intelligence that protects lenders and gives good borrowers a track record.
Try Reklaim CREDIT SOLUTIONS
90 days of full access. No credit card.
Run your own AR file through the network and see which customers you’ve been carrying.
The full platform
Unlimited Reklaim Credit Reports on customers in your AR file, portfolio dashboards, and portfolio monitoring alerts.
White-glove onboarding
We configure your data pipeline and walk your team through the first reports.
No credit card
Start today, decide in 90 days. You'll never be charged by surprise.
Keep your benchmarks
Industry Average Days To Pay (ADP) and default-rate reports are yours to keep either way.