Wholesale DistributionUnited StatesManufacturing & Distribution
Wholesale Distributor Bank Automation Rollout
Bank automation — ACH, positive pay, lockbox, bank reconciliation, multi-bank.
FinancialsAPARBank Automation
At a glance
Industry
Wholesale Distribution
Company type
US wholesale distributor
ERP focus
Sage X3 bank automation, AP, AR, reconciliation
Main challenge
Manual checks, lagging bank rec, and error-prone lockbox application.
PRH services
Cash cycle redesign · ACH & positive pay · Lockbox automation · Sage X3 bank reconciliation
Key result
Bank rec current within 24 hours; manual reconciliation reduced.
Region
United States
Operational outcomes
Check volume
reduced by 85%; remaining checks moved to positive pay
Bank reconciliation
current to within 24 hours across all accounts
Cash application
accuracy above 97% with full audit trail
Estimated 25+
hours of weekly AP/AR manual work eliminated
Business challenge
An operation running at scale without the systems to match it.
The organization ran multiple sites with continuous inventory movement — a volume and complexity that had outgrown its manual processes.
- AP team printed 600+ checks per week and keyed wires individually into bank portals.
- Bank reconciliation was done in spreadsheets, often 30 days behind.
- Lockbox files were applied manually to AR with high error rates.
- No positive pay or fraud controls were in place.
Solution
A warehouse execution platform built end-to-end in Sage X3.
Full cash cycle redesign
Mapped every cash inflow and outflow process across multiple banks before changing any Sage X3 configuration.
ACH and positive pay rollout
Implemented NACHA ACH file generation, positive pay file generation, and automated bank confirmation matching.
Lockbox automation
Automated lockbox file ingestion with cash application rules and an exception workflow for unmatched receipts.
Bank reconciliation in Sage X3
Replaced spreadsheet reconciliation with Sage X3 bank reconciliation driven by daily BAI2 imports.
Platform
Built on Sage X3.
Financials
AP
AR
Bank Automation
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