Chase - receivables & collections
Every open invoice aged against that dealer's own credit terms, receipts matched FIFO to invoices, and a books-reconciliation line that ties the total back to your ledger.
Every day that money sits past terms, you're lending it - interest-free, to someone who never asked your permission. Bring it home a few days sooner and it's working capital you stop borrowing. Leave it, and the oldest balances quietly turn into bad debts.
