Franchisee commercial-book detail (slider)

What this overlay is

Clicking a franchisee tile anywhere on the Commercial page (Concentration Risk, Largest Commercial Books, or the All Franchisees roster) opens this overlay: a centered detail view scoped to that one franchisee's direct business-to-business book. It is where the network-wide Commercial numbers turn into a single franchisee's own picture: how big its commercial book is next to its retail work, how fast it collects on commercial invoices, and how exposed it is to a single client, each read against the rest of the network.

Commercial is deliberately narrow. It covers direct B2B revenue, a client a franchisee bills with no insurer standing between the two of them: a property manager, a general contractor, a bank, a manufacturing plant. Insurance-claim revenue is a different cluster entirely; see Carriers and TPAs overview for that side of the book.

Nothing in this overlay is a franchisee's private client ledger. Every figure is a rollup from that franchisee's own nightly commercial summary, counts, sums, and a single named top client, never invoice-level detail, contract terms, or the franchisee's full client list. Verinode surfaces the pattern; it does not decide whether a concentration risk needs a support call or a diversification conversation. That call is yours.

Where to find it

Open Accounts from the HQ sidebar, click the Commercial pill in the tab strip (alongside Carriers and TPAs), or go straight to hq.verinode.ai/commercial. Click any franchisee tile on that page, in Concentration Risk, Largest Commercial Books, or the All Franchisees roster at the bottom. An overlay opens on top of the page, sized wide, with no page navigation. Press Escape or click outside the overlay to close it and land back where you were on Commercial.

While the franchisee's detail is loading, the overlay opens immediately with the franchisee's name already in place and a plain "Loading…" line underneath while the rest fills in. If the load fails, it reads:

Couldn't load this franchisee's commercial book.

with a Close link beside it, rather than a broken screen.

The overview header

At the top sits the same identity block every per-section franchisee slider uses (Facilities, Fleet, Equipment, Commercial, and Reputation all share it):

• Eyebrow: "Commercial book," so the overlay always frames what the drill is about.
• Name: the franchisee's name, real or anonymized depending on your network's entity model (see below).
• Location: the franchisee's city and state, comma-joined, or "Location anonymized" when geo isn't shown for this network.
• Status: Seeded, Invited, or Active, the franchisee's roster status in your network directory.
• Client-split pill: reads "N commercial · M retail", the franchisee's own commercial and retail client counts. Colored green (Expand tone) when the franchisee has at least one commercial client on record, or copper (neutral) when it has none yet.

Each segment is separated by a middle dot, so the full line reads something like "Springfield, OH · Active · 6 commercial · 12 retail."

The peer-scope switcher

Directly under the header, three pills let you choose what this franchisee's numbers are compared against: Group, Regional, and National. Group is the default selection every time you open the overlay.

• Group, the rest of your own network. Its label always shows the cohort size in parentheses, for example "Group (2)", even when that count sits below the platform's peer-comparison minimum and the pill stays disabled. Below the minimum, hovering the disabled pill reads: "Need 3+ active peers in the network for within-network comparisons."
• Regional, same-state peers across networks. Unlike Group, its label only shows a count once the cohort clears the minimum, for example "Regional (5)"; below that it renders as a plain "Regional" pill, disabled, with the tooltip "Need 3+ peers in the same state. Smaller state cohorts hidden by K-anonymity floor."
• National, cross-network with no state filter. Same rule as Regional: a plain "National" label until the cohort clears the minimum, then "National (N)." Below the minimum, the tooltip reads: "Cohort too small for cross-network comparison."

The cohort size shown on each pill, and the confidence read in the scope footer (below), is always anchored to the Commercial clients metric specifically, since that's the one commercial metric every active peer reports. Individual tiles further down the page can still show "Cohort too small" or "Pending benchmark seed" on their own even when the switcher pill above them reads as available, because peer coverage varies metric by metric (a peer who hasn't recorded a top client yet still counts toward the Commercial-clients cohort, but contributes nothing to the concentration tile's cohort).

Book size

Four peer-compared tiles, laid out two by two:

• Commercial clients. The franchisee's active commercial client count. More is favorable, a bigger direct-B2B book.
• Commercial jobs (36mo). Commercial jobs completed over the trailing 36 months. More is favorable.
• Commercial billed (36mo). Total commercial dollars billed over the same 36-month window, formatted compactly ($1.4M, $82k, $340), or a dash when nothing is on file. More is favorable.
• Collection rate. Commercial dollars collected divided by commercial dollars billed over 36 months, as a percentage, or a dash if either figure is missing. More is favorable, a higher rate means less commercial revenue stuck in receivables.

Cash cycle

One tile:

• Avg days to pay. The franchisee's average days from billing to payment on commercial jobs specifically, not retail, not insurance work. Fewer is favorable, a faster cash cycle on the direct-B2B side.

Concentration risk

This section only appears when the franchisee has a top commercial client on record. If it has no commercial clients yet, or no single top client identified, the section is omitted entirely rather than showing an empty state.

When it appears, three figures sit side by side:

• Top client. The name of the franchisee's single largest commercial client by 36-month billed dollars. This is the one place in the Commercial cluster where a specific client name for a specific franchisee is shown directly, deliberate here because you have already drilled into that one franchisee's own detail; it is not exposed on the network-wide Commercial page except as part of the same concentration-risk flag.
• Top client billed (36mo). That client's own 36-month billed total.
• Share of commercial book. The top client's billed dollars as a percentage of the franchisee's total commercial billing.

The share figure is color-coded, and a one-line read follows it:

• 50% or higher (Ember Red, Analyse tone): "Single-client revenue risk, losing this account is structural."
• 30% to 49% (Hard Hat Yellow, Maintain tone): "Watch concentration, top client is a meaningful share."
• Under 30% (Deere Green, Expand tone): "Healthy diversification across the commercial book."

Below that read, a fifth tile, Concentration vs peers, repeats the same share percentage but peer-compared against the selected scope. The plain figure above tells you whether this franchisee crosses a fixed risk threshold; this tile tells you whether that share is unusual for its cohort specifically, a franchisee sitting at 35% might still be lower than a peer group whose median runs higher. Lower is favorable on this metric: less concentration is the safer position.

Reading a peer-metric tile

Every tile in Book size, Cash cycle, and Concentration vs peers follows the same anatomy:

• Own value, shown large at the top of the tile, already formatted.
• Peer median, reads "Median [value]", and, when a percentile can be computed, "· p[N]" beside it, the franchisee's own percentile rank inside the selected peer scope.
• Delta vs. median, a colored line reading "On par with peers" (neutral) when the franchisee sits within a few percent of the peer median in either direction; otherwise "+N% vs median" or "N% vs median". The color follows the metric's own direction of good: green (Expand) when the franchisee is ahead in the favorable direction, yellow (Maintain) for a modest lag, red (Analyse) for a wide lag in the unfavorable direction (roughly a quarter off the median or more). If the peer median itself is exactly zero and the franchisee's own value is not, no delta line renders at all, there is nothing meaningful to compare against.
• When no peer read is available, the tile shows one of two plain labels instead of a median: "Cohort too small" (not enough peers report this metric at the selected scope) or "Pending benchmark seed" (this metric has no Regional or National coverage yet, see below).
• Target compliance tag. When your network has an active program with a target set on that specific metric, a tag appears under the peer line: "✓ Meets target" (green) or "✗ Below target" (red), with the target value in parentheses, for example "(target $75k)." Hovering the tag shows which program set it. All six metrics in this overlay, Commercial clients, Commercial jobs, Commercial billed, Collection rate, Avg days to pay, and Concentration vs peers, can carry this tag when a program targets them. No tag appears when no program currently targets that metric. See Programs for how targets get set.

Regional and National: what's actually there today

Only one metric in this overlay, Commercial clients, has any live cross-network comparison wired up at Regional or National scope, and even that is limited to Verinode's demo/showcase network today. On a real network, Regional and National both stay unavailable for Commercial clients until enough peers report it and industry benchmarks seed, the same "3+ peers" floor described above applies.

Every other tile on this page, Commercial jobs, Commercial billed, Collection rate, Avg days to pay, and Concentration vs peers, reads "Pending benchmark seed" at Regional and National scope on every network, real or demo, because those metrics have no cross-network reference data wired in yet at all. Group is the only scope where all six metrics can show a real comparison today.

The scope footer

Below the three sections, a single line explains the comparison you are currently reading, and it is keyed to whichever scope pill is selected:

• Under Group scope: either "Peer cohort too small, need 3+ active franchisees in the network" (below the floor), or "Within-network comparison · [confidence] · n=[N]", where confidence climbs from Low confidence to Directional to High confidence as more of your network's peers report Commercial clients specifically.
• Under Regional scope: "Regional industry benchmarks pending, commercial metrics will seed via the benchmark data in the next slice."
• Under National scope: the same message, for the National comparison.

Same-entity vs. independent-operator networks

Whether the header shows a real name and location, or an anonymized one, depends on your network's entity model, the same setting that governs every other per-franchisee surface in HQ:

• Same entity (a single multi-location enterprise, or a PE-backed roll-up operating its own locations): the franchisee's real name, city, and state all appear.
• Independent operators (the default for franchise networks and associations): the name is replaced with a stable label like "Franchisee #A1B2," derived from the franchisee's internal ID, and city and state are both withheld, the header reads "Location anonymized" in their place. The same franchisee always gets the same label across visits, so you can track it over time, but the label never reveals which business it is.

This anonymization only applies to the franchisee's own identity. The top commercial client's name inside Concentration Risk is never anonymized, since it belongs to the franchisee's own book that you are already viewing directly, not to a peer being compared against.

This overlay only opens at all once your network clears the small-network floor for per-franchisee tiles. Below that floor, the Commercial page itself suppresses the per-franchisee rows and shows an aggregate-only banner instead, so there is nothing to click into. See Commercial: your network's direct-B2B book and What HQ sees on Commercial, and what it never does for that guard in full.

How to read it in one pass

1. 1Check the header's client-split pill. A franchisee with zero commercial clients has nothing further to drill into on this page beyond retail context.
2. 2Scan Book size for how large the commercial book is against the selected peer scope, and whether the collection rate looks healthy next to the median.
3. 3Check Cash cycle. A slow avg days-to-pay on commercial work, read against peers, is a collections conversation distinct from anything happening on the insurance side.
4. 4If Concentration risk appears, read the share percentage and its color first, then the peer-compared Concentration vs peers tile underneath it: a franchisee above the 50% threshold whose share is also well above the peer median is the clearest case for a diversification conversation.
5. 5Switch scope to Regional or National only if you want the wider comparison, keeping in mind that today only Commercial clients can show a real cross-network read, and only for demo/showcase accounts; every other metric reads as pending industry benchmark seed.

Best-practice example

Say you click into a franchisee from Concentration Risk. The header reads "Springfield, OH · Active · 6 commercial · 12 retail." Book size shows 6 commercial clients against a Group median of 4 ("+50% vs median," green, more is favorable), 28 commercial jobs against a median of 20 (green), $210k commercial billed 36mo against a $140k median (green), and a 71% collection rate against an 84% median (red, this franchisee is collecting less efficiently than its peers). Cash cycle shows an average of 52 days to pay against a 38-day median (red, slower is unfavorable). Concentration risk shows a manufacturing client at 68% of the commercial book (Ember Red, "Single-client revenue risk, losing this account is structural"), and the peer-compared Concentration vs peers tile confirms that 68% sits well above the Group median of 31%, so this isn't just a large book, it's an unusually concentrated one even against peers who also carry meaningful top-client shares. Together, that's a franchisee with a growing direct-B2B book whose cash discipline and client concentration both warrant a direct conversation before the next network review, not just a note in a quarterly report.

Related reading

• Commercial: your network's direct-B2B book: the full Commercial page this overlay opens from, hero through every row
• What HQ sees on Commercial, and what it never does: the full privacy boundary and suppression rules governing this page and this overlay
• The Accounts cluster: Carriers, TPAs, and Commercial: the shared tab strip and how Commercial differs from its siblings
• Carriers: your network's insurance-payer intelligence: the sibling Accounts page for insurance-claim revenue
• TPAs overview: the sibling Accounts page for claims administered on a carrier's behalf
• Opening a franchisee's fleet detail: shape, safety, and compliance watch: the same header and peer-tile mechanics applied to Fleet
• Opening a franchisee's equipment detail: the same mechanics applied to Equipment
• Network Health: the HQ command home this page's data feeds into
• HQ Benchmarks: the seven-tab industry-wide hub, a different, outside-in read from this network-only page
• Programs: where the network targets shown as the ✓/✗ compliance tag get set
• Compliance: network-wide program adherence across every program type