Better Terms for Buyers. Instant Cash for Suppliers.
Extended Payment Terms for Buyers Through a Dedicated Trade Credit Facility. Structured to align with buyer production cycles, with suppliers paid immediately, in full, at no cost.
How Credit Circuit Works
Built for Business. Powered by Simplicity.
Trade Credit Financing
Digitise and automate the verification, settlement, and funding of trade credit transactions across your supply chain.
Better Terms For Buyers
Buyers get a consolidated credit facility for one or more suppliers. Terms are in line with buyers’ production cycle and are competitively priced.
Instant Cash for Suppliers
Suppliers receive 100% of invoice value upfront - no debt, no delays.
Flexible & Scalable
A platform that scales with your business as transaction volumes grow.
Better Terms. Smarter Funding.
Credit Circuit provides buyers with a dedicated trade credit facility that enables extended payment terms across multiple suppliers.
- One approved trade credit facility per buyer
- Usable across multiple suppliers
- No supplier onboarding required
- Works immediately with existing suppliers
- No changes to pricing, contracts, or systems
- No balance sheet debt for suppliers
- No collateral required
- Buyers fund extended payment terms at a cost of prime plus a low platform fee
- Suppliers are paid immediately, in full, at no cost
- Early settlement discounts from suppliers may offset or exceed the cost of the facility
Industry Use Cases
Book a Demo
Fees
Platform Fee
0.3% per 30 days pro rata, up to a maximum of 1.8%, with a minimum fee of R50 per Promissory Note.
This is applied to the amount funded.
- 30 days = 0.3%
- 60 days = 0.6%
- 90 days = 0.9%
- 120 days = 1.2%
- 150 days = 1.5%
- 180+ days = 1.8%
Includes the processing of invoices, promissory notes, statements, collections, and funding.
Facility Fee
Charged at the Prime interest rate, applied to the amount funded.
Frequently Asked Questions
Why Buyers Use Credit Circuit Instead of Loans or Supply Chain Financing
Many businesses rely on loans, overdrafts, or supply chain financing solutions to manage working capital. These traditional approaches often require collateral, sit on the balance sheet as debt, and can limit overall funding capacity.
Supply chain financing solutions typically depend on supplier onboarding, platform integration, and are often disclosed to suppliers, adding complexity and reducing flexibility.
Credit Circuit takes a fundamentally different approach.
Rather than funding the balance sheet through traditional lending, Credit Circuit provides buyers with a dedicated trade credit facility, enabling extended payment terms while suppliers are paid immediately, in full.
The facility is approved at buyer level and can be used across multiple suppliers without requiring supplier onboarding, system integration, or disclosure. This allows seamless implementation across an existing supplier base, with no changes to commercial relationships.
Structured around industry norms and buyer production and cash-conversion cycles, the facility provides flexible, scalable access to working capital that grows in line with transaction volumes.
Buyers fund extended payment terms at a cost of prime plus a low platform fee, making it a competitively priced alternative to traditional lending and early settlement discounting.
What sets Credit Circuit apart is its innovative structuring, digital promissory note process, and automated approval controls, underpinned by trade credit insurance. These elements reduce risk and eliminate the need for collateral, enabling efficient and scalable funding.
The result is a flexible, transaction-linked trade credit solution that extends payment terms, improves cash flow, and avoids the complexity and constraints of conventional loans or supply chain financing.
Why Suppliers Use Credit Circuit Instead of Receivables Financing or an Overdraft Facility
Many businesses rely on receivables financing or working capital facilities such as overdrafts to manage cash flow.
These traditional solutions typically require collateral, have fixed limits, and often need to be renegotiated as a business grows.
They also sit on the balance sheet as debt, which can constrain financial flexibility and impact overall funding capacity.
Credit Circuit takes a fundamentally different approach.
Rather than funding the balance sheet, Credit Circuit enables early settlement of supplier invoices while allowing buyers to repay over an extended term under a single, approved trade credit facility.
This facility can be used across multiple suppliers and is structured around industry norms and the buyer’s production and cash-conversion cycles.
Suppliers are paid 100% of invoice value upfront, with no discounts, no debt, and no impact on existing finance arrangements.
The structure enables suppliers to accelerate cash flow without introducing additional balance sheet debt.
Buyers fund the extension at a prime-rate cost plus a low platform fee, making it a competitively priced alternative to traditional working capital facilities.
Importantly, Credit Circuit is non-recourse to suppliers in the event of buyer default (except in cases of breach or fraud), removing credit risk from the supplier while preserving normal trading relationships.
What sets Credit Circuit apart is its innovative structuring, digital promissory note process, and automated approval controls, underpinned by trade credit insurance.
These elements work together to reduce risk and eliminate the need for collateral, allowing funding to scale naturally as transaction volumes and supplier participation grow.
The result is a flexible, scalable, off-balance-sheet aligned trade credit solution that improves cash flow for suppliers, delivers better terms for buyers, and strengthens the entire supply chain — without the limitations of conventional receivables financing or overdrafts.
Is it administratively burdensome?
Not at all. Credit Circuit is designed to fit seamlessly into existing processes, with no system changes, integrations, or workflow disruption required.
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Facilities may be disclosed (where suppliers are informed that Credit Circuit will settle invoices) or undisclosed (where suppliers continue trading without visibility of the financing arrangement). In both cases, suppliers issue invoices as usual under their existing terms.
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Suppliers simply copy invoices@creditcircuit.co.za when issuing invoices. Credit Circuit manages invoice consolidation, verification, digital promissory notes, and settlement in the background.
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This applies regardless of the systems used to generate invoices, ensuring minimal administrative effort for both buyers and suppliers.
Are there minimum invoicing requirements?
We do not set any minimum invoice values or minimum platform fees.
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A platform fee is applied to each processed Promissory Note (PN), calculated per PN, with no minimum thresholds.
Do I need to use Credit Circuit for all of my buyers or suppliers?
No. Participation is entirely optional and flexible for both suppliers and buyers.
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Suppliers may choose which buyers they want to include on Credit Circuit, and buyers may choose which suppliers to use under an approved Credit Circuit facility.
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There is no requirement for either party to include all trading relationships.
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This allows Credit Circuit to be applied selectively, where extended terms or early settlement provide the most value, without affecting existing arrangements elsewhere.
Is Credit Circuit available on an ad hoc basis?
Credit Circuit operates on an approved buyer facility, rather than on a one-off or ad hoc invoice basis.
Once a buyer is approved and a supplier is included under that facility, all invoices issued by that supplier to that buyer are settled through Credit Circuit from the first funded invoice onwards. This ensures consistency, operational efficiency, and accurate risk management.
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Suppliers and buyers remain free to choose which trading relationships are included under Credit Circuit, but funding within an approved relationship is applied on a fully inclusive basis, rather than selectively invoice by invoice.
Will it effect my supplier/buyer relationships?
No. Credit Circuit does not interfere with your supplier/buyer relationships. Suppliers continue managing their buyer relationships as usual.
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Credit Circuit’s role is limited to settling approved invoices early and managing repayment under the buyer’s approved Credit Circuit facility.
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Where facilities are disclosed, suppliers are informed that Credit Circuit will settle buyer invoices and that repayment is made to Credit Circuit over the agreed term. Where facilities are undisclosed, suppliers continue trading without any visible change to their existing processes.
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