[suhpreme]

Yeah, this isn't the HN experience I was hoping for... :-).

If I may, the final ingredient I'll add is that this problem is one where software not only automates but enhances the solution. As a company grows, they'll add additional credit facilities and explore other financing options (like forward flow arrangements). Each agreement/arrangement comes with their custom set of requirements on your various credit products, and the lack of a central data store creates all sort of internal process complexity.