How Cape Cod Lumber cut DBT by 41% and reduced past due customers by 10% with Suppli.

Overview

Founded in 1958 and 100% employee-owned since 2021, Cape Cod Lumber is one of the largest regional building supply retailers in the Boston/South Shore area, running a 12-acre campus in Abington, Massachusetts that serves builders, remodelers, and homeowners across southeastern Massachusetts.

From offline payments to a digital credit teammate

Cape Cod Lumber was moving towards digital invoices and statements, which led to customers asking for a way to view their account and make payments online. “Our customers often don't have time to do bookkeeping during business hours,” said Kim Mulgrew, CCL's credit manager. “We needed a way for them to manage their account 24/7 whether our team was logged on or not.” Digital ACH payments were particularly in focus, given the limitations around credit card surcharge in Massachusetts.

CCL was also using Nuvo for digital credit apps. While customers liked the digital option, Nuvo couldn't be configured to accommodate municipal and homeowner customers, and any change CCL wanted to make to their credit application meant waiting in Nuvo's support queue.

It also meant Cape Cod's AR crew had to jump between multiple systems to manage the full AR lifecycle.

What changed with Suppli

CCL launched Suppli's digital credit teammate in December 2024. The full implementation — ERP integration, training, and rollout — took 41 days from start to finish.

Now the credit team has a truly centralized view of AR, from the moment a customer submits a credit application all the way through to payment and cash application. With Suppli's credit app module, CCL built multiple versions of their credit application, each designed to collect the datapoints unique to municipal and homeowner customers. Since going live, 61% of credit apps are decisioned in a day or less.

Over 68% of customers have moved to self-service, paying CCL through the new mobile-friendly portal and straight from text and email paylinks. Suppli's one-click ACH has driven a sharp increase in ACH payments, and accounts that previously put a check in the mail are now paying faster to capture early pay discounts. 87% of customers say Suppli has made it easier to do business with CCL.