Solving Manual Credit Chaos: Why Jones Heartz Turned to Nuvo for Automation

Jones Heartz Building Supply serves commercial contractors and residential remodelers with a wide range of building materials, predominantly gypsum, drywall, and insulation. With strong local roots and decades of industry experience, they needed a more efficient way to manage credit applications. Their previous process was manual, time-consuming, and error-prone. Patrick Perrigo, Credit Manager; Ron Fogel, Director of Finance; and Dan Simpson, Credit & AR Manager at Kodiak Building Partners, the parent company of Jones Heartz, led their organization’s initiative to find a better way.

Since adopting Nuvo, they have significantly accelerated customer onboarding, reduced credit application turnaround times, and streamlined internal decision-making – laying the groundwork for continued automation and growth.

Prior to Nuvo, Jones Heartz’s credit process was fully manual, with PDFs, emails, and phone calls. This process was extremely time consuming, which ultimately limited how quickly they could onboard and serve new customers.

Their previous process included:

• Paper applications with illegible handwriting
• Manual, time-consuming phone calls to multiple trade references
• Credit checks from multiple different websites and services, including NACM, CreditSafe, Experian
• Rarely completed bank references due to high effort and low value from large banks
• Inquiries to other Kodiak sister companies for credit worthiness of a new customer
• Reliance on 5+ different systems with different data points to make credit decisions

The process took too long, according to Ron Fogel, Director of Finance at Jones Heartz. “We were pulling credit reports manually and piecing together write-ups. Approvals would take four to five days.” explains Fogel.

To decrease the amount of effort to onboard new customers and modernize their credit systems, Jones Heartz and Kodiak turned to Nuvo, a platform that could be quickly deployed, tailored to their multi-brand structure, and integrated with their existing systems. The implementation addressed their immediate need for efficiency and set the stage for long-term process automation. “Nuvo was by far the most user-friendly, visually clean, and intuitive platform we evaluated,” said Dan Simpson.

They relied on Nuvo’s:

• Rapid Deployment: Fully implemented in under 48 hours with minimal disruption.
• Custom Workflows: Ability to add brand-specific questions and approval logic.
• Third-Party Integrations: Connection with top business credit bureaus for real-time credit insights.
• User-Friendly Interface: Easy for customers to complete and for credit and finance teams to review applications.
• Improved Risk Visibility: Integrated trade, credit, and bank data in one dashboard.
• Change History and Tracking: Approvals are tracked and logged for future audits.
• Multi-Brand Scalability: Designed to support Kodiak’s growing portfolio of businesses.

Since going live, Nuvo has transformed how Jones Heartz and Kodiak manage credit. Customer onboarding turnaround times have dropped by 80%, with approvals now completed in just 24–48 hours, which is typically how quickly trade references reply. Sales and accounting now work from the same platform, increasing collaboration and speed.

With improved visibility into credit risk and full audit tracking, the team can make faster, better-informed decisions, all while laying the groundwork to extend Nuvo’s impact across the organization through further integrations and AI-driven automation.