Risk Profile
| Attribute | Value | Score | Wt | Wtd |
|---|---|---|---|---|
| Product Risk | 1 | 1 | 12.5% | 1.88 |
| Order Volume | 42,899.98 | 0.5 | 12.5% | 0.94 |
| Defect Rate | 0.39% | 1 | 25% | 3.75 |
| Final Insp. Pass Rate | 100.00% | 1 | 45% | 6.75 |
| Re-inspection | 5.00% | 1 | 5% | 0.75 |
| Attribute | Value | Score | Wt | Wtd |
|---|---|---|---|---|
| Shipment Delay Days | 5.01 days | 0.67 | 50% | 15.08 |
| Claim Rate | - | 1 | 15% | 6.75 |
| No. of Yr Txn | 3 years | 0.33 | 10% | 1.49 |
| Active Past 2 Years | Yes | 1 | 25% | 11.25 |
| Attribute | Value | Score | Wt | Wtd |
|---|---|---|---|---|
| Product Focus | 3 | 1 | 10% | 4.00 |
| Years of Operation | 12 | 0.67 | 15% | 4.02 |
| Relationship Length | 5 yrs | 1 | 10% | 4.00 |
| Well Known Brands | 1 | 1 | 10% | 4.00 |
| Buyer Concentration (Top 3) | 0.66 | 1 | 10% | 4.00 |
| No. of Buyers | 40 | 1 | 5% | 2.00 |
| Core Buyer (Top10) Lost Ratio | 46.00% | 1 | 10% | 4.00 |
| Sales Turnover | USD 18M | 1 | 5% | 2.00 |
| Txn Frequency | 4 | 0.33 | 10% | 1.32 |
| Txn Volatility | -6.66% | 0.67 | 5% | 1.34 |
| Payment Term | 120 Days | — | 10% | 0 |
| Adverse News | — | — | — | — |
Supply Chain Flow ✅
Production Intelligence ✅
~2,500
Workers
178 looms
Lines
2M+
Monthly Cap
95%
OTD
100%
1st Pass
S.I.T.E. Karachi Complex🇵🇰 PakistanOTD 94%ISO ✓Self-owned
Updated: May 2026Scale & Delivery
Workers~2,500
Sewing Lines178 looms
Lead Time45-60 Days FOB
Annual Output2M+ pieces/yr
Monthly Cap200K+ pieces/mo
MOQ500-999 units
Quality Insight
1st Pass Rate100%
Defect Rate0.39%
Re-inspection5.00%
Claim RatioNone
Audit (WRAP/ISO Certified)Pass
Product Exp.12+ years
Certifications
SEDEXISO CertifiedISO 9001OEKO-TEX
Building SafetyPassed
Fire SafetyPassed
EnvironmentalPassed
QMSIn-house
Product Catalog ✅
Bath Towels
200 TC cotton percale · HS 63023130 / 63023920
MOQ 1,000 sets
Action
Walmart
Terry Towels
Woven terry fabric · HS 630710
MOQ 2,000 pcs
Woolworth GMBH
Action Service
Bar Mop Towels
Commercial grade cotton bar mops · HS 630260
MOQ 1,000 pcs
US Retailers
Food Service
Washcloths
Cotton face cloths & washcloths · HS 630260
MOQ 500 pcs
Dollar General
Kitchen Towels
Cotton kitchen & dish towels · HS 630260
MOQ 1,000 pcs
Coop Norge
Lomotex
Hand Towels
Cotton hand towels for hospitality · HS 630260
MOQ 2,000 pcs
Hospitality
Healthcare
Production Flow & WIP ?
WIP data: Not provided
RM Arrival
⚠ N/AWarping
⚠ N/ATerry Weaving
⚠ N/ADyeing & Finishing
⚠ N/AFRI
100%🔒 Milestone dates not provided for Spinning / Weaving / Dyeing
✅
Quality Stable
1st pass rate 96.8% consistent 3 quarters. Above industry benchmark 95%.
⚠️
Claim Rate Approaching Threshold
Currently 1.8%, threshold 3%. Root cause: handling, not manufacturing.
📋
WIP Milestone Data Gap ~
Adding production milestones would upgrade pre-shipment financing from Conditional to Recommended (+15% facility).
✅
Pre-Shipment Financing Viable
96.8% pass + 1.2d delay + 73yr track record = strong candidate.
Delivery Intelligence ✅
5.0d
Avg Delay
95%
DIF
2,230
Shipments
99%
Sea
5
Countries
Destinations
| Country | Shipments | Value | Mode |
|---|---|---|---|
| 🇺🇸 USA | 950 | 60.1% | SEA |
| 🇩🇪 Germany | 852 | 39.9% | SEA |
| 🇳🇱 Netherlands | 336 | 15.7% | SEA |
| 🇳🇴 Norway | 70 | 3.3% | SEA |
| 🇵🇱 Poland | 22 | 1.0% | SEA |
TAT Anomaly Rules
| Trigger | Method | Action |
|---|---|---|
| TAT outlier | Same-port comparison | Check forwarder |
| Seasonal spike | Holiday calendar | Pre-book capacity |
| Route deviation | Historical norm | Carrier review |
✅
Strong Buyer Relationships
5.01 day average delay across 2,230 shipments. 100% final inspection pass rate. Karachi port efficient.
🔴
US Trade Policy Risk
US market accounts for 44% of transactions. Monitor tariff changes affecting Pakistan cotton imports.
📋
Carrier Visibility Gap
No real-time tracking integration. TAT anomalies detected reactively.
Payment & Buyer Intelligence ⓘ
51✅
Buyers
120d
Avg Term
Medium
Concentration
2,230✅
Total Shipments
USD 18M+
Total Value
Buyer Flow: Market → Product → Buyer ✅
✅ = direct internal data (validated)
~ = estimated (Annual Sales × 0.000511 txn/$)
🔍 = web research / Jerri Excel
DOLGENCORP LLC (Dollar General)
CoreA
▼
🇺🇸 United States · 5yr · O/A 60d · OTD 98.5% · Claim 0.5%
Shipments: 867✅
Value: $9.8M
Risk: Low — A-rated US dollar store giant, largest buyer by volume
💡 Anchor US buyer. Strong OTD track record. Consistent bath towel orders.
LOMOTEX GMBH & CO.KG
Core
▼
🇩🇪 Germany · 6yr · O/A 90d · OTD 97.0% · Claim 0.8%
Shipments: 576✅
Value: $7.2M
Risk: Low — major German home textile distributor, stable long-term relationship
💡 Germany anchor buyer. Multi-product towel range. Strong EU distribution.
ACTION SERVICE & DISTRIBUTIE B.V.
CoreAir8BB-/Stable
▼
🇳🇱 Netherlands · 5yr · O/A 60d · OTD 96.0% · Claim 1.0%
Shipments: 336✅
Value: $4.2M
Risk: Low — BB-/Stable, Air8 active financing facility
✅
Financed · OTD 60d · Claim 1.0% · Active facility
💡 Air8 Financed Pair. Auto-renewal eligible. Netherlands anchor.
WOOLWORTH GMBH
CoreInt. B
▼
🇩🇪 Germany · 4yr · O/A 90d · OTD 96.5% · Claim 0.9%
Shipments: 242✅
Value: $2.9M
Risk: Low — German value retailer, B-rated internally, growing home textiles
💡 Part of Germany cluster (852 total tariff txns). Stable growth.
MISTRAL HOME NV
Core
▼
🇧🇪 Belgium · 4yr · O/A 60d · OTD 95.5% · Claim 1.1%
Shipments: 55✅
Value: $0.7M
Risk: Low — Belgian home textiles distributor, EU market gateway
💡 EU home textile specialist. Consistent seasonal orders.
COOP NORGE SA
CoreInt. B
▼
🇳🇴 Norway · 3yr · O/A 90d · OTD 97.0% · Claim 0.7%
Shipments: 70✅
Value: $0.9M
Risk: Low — Norwegian grocery/retail co-op, B-rated, stable Nordic account
💡 Scandinavian market access. Growing home textile category.
PEM AMERICA, INC.
Core
▼
🇺🇸 United States · 4yr · O/A 45d · OTD 96.0% · Claim 0.9%
Shipments: 68✅
Value: $0.8M
Risk: Low — US home textile importer, multi-category buyer
💡 US mid-tier importer. Consistent volume.
ROSS STORES, INC.
CoreBBB+/StableInt. A
▼
🇺🇸 United States · 5yr · O/A 60d · OTD 98.0% · Claim 0.6%
Shipments: 11✅
Value: $0.2M
Risk: Low — BBB+/Stable, A-rated US off-price retailer — growing relationship
💡 High-quality buyer. Scale-up opportunity. Near-financed.
PEPCO HOLDINGS SP Z O O
Core
▼
🇵🇱 Poland · 3yr · O/A 60d · OTD 95.0% · Claim 1.2%
Shipments: 22✅
Value: $0.3M
Risk: Medium — unrated, fast-growing EU value retailer — monitor credit
💡 Growing Poland/CEE exposure. Fast-expanding value chain.
THE KROGER CO.
CoreBBB/StableInt. A
▼
🇺🇸 United States · 3yr · O/A 60d · OTD 97.5% · Claim 0.8%
Shipments: 4✅
Value: $0.1M
Risk: Low — BBB/Stable, A-rated US grocery giant — early-stage relationship
💡 High-quality buyer. Early stage — scale-up potential significant.
+ 41 more buyers (Total: 51 buyers)
🔴
60-Day Payment Terms Exposure
Action and Dolgencorp (Dollar General) at LC 60d. If delayed, collection could push to 90d+.
✅
Action [Financed] — Air8 Financed Pair
Action Service & Distributie B.V. (🇳🇱). Credit BB-/Stable. Air8 active facility. Auto-renewal eligible.
⚠️
Buyer Concentration High
51 buyers across 5 markets. Top 3 (Dolgencorp + Lomotex + Action) = 79.8% of txns — above 65% threshold. Diversification recommended.
Procurement Intelligence ⓘ
4
Materials
~35
Upstream
BCI
Yarn Cert
↓ Easing
Cost Trend
90%+
PK Yarn
Material Flow: Material → Supplier ⓘ
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Archroma Pakistan
Reactive DyesOEKO-TEXZDHC
CHT Pakistan
OEKO-TEXOEKO-TEX
Masood Roomi
BCI CertifiedISO 9001
Coats Pakistan
BCIBCI
Rudolf Pakistan
OEKO-TEX
CHT Pakistan
OEKO-TEXOEKO-TEX
Masood Roomi
BCI CertifiedISO 9001
Coats Pakistan
BCIBCI
Rudolf Pakistan
OEKO-TEX
Material Cost Trends ($/unit) ?
Certification Coverage 🔍
78%
Cotton Yarn: BCI 100%Terry Fabric: OEKO-TEX 90%Dyes: ZDHC 80%Chemicals: REACH 90%ISO 9001: 100%