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 their existing finance arrangements. 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 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.

Not at all. Credit Circuit is designed to fit seamlessly into existing processes, with no system changes, integrations, or workflow disruption required.

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.

Suppliers simply copy invoices@creditcircuit.co.za when issuing invoices. Credit Circuit manages invoice consolidation, verification, digital promissory notes, and settlement in the background.

This applies regardless of the systems used to generate invoices, ensuring minimal administrative effort for both buyers and suppliers.

We do not set any minimum invoice values or minimum platform fees.
A platform fee is applied to each processed Promissory Note (PN), calculated per PN, with no minimum thresholds.

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.

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.

No. Credit Circuit does not interfere with your customer relationships or day-to-day credit control.

Suppliers continue managing their buyer relationships as usual. Credit Circuit’s role is limited to settling approved invoices early and managing repayment under the buyer’s approved Credit Circuit facility.

Where facilities are disclosed, buyers are informed that Credit Circuit will settle 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.

Credit Circuit does not take over active collections or customer communication beyond what is required to administer the facility. Your trading relationships, credit policies, and customer engagement remain fully under your control.

A Promissory Note (PN) is a clear, legally binding commitment from a buyer to repay an agreed amount on a specified future date.

Within Credit Circuit, invoices issued by a supplier to a buyer are consolidated into a single digital Promissory Note, simplifying administration and reducing the risk of disputes. Once signed, the PN provides certainty of payment and enables early settlement of supplier invoices.

Digital Promissory Notes improve efficiency, lower funding costs, and expand funding capacity by providing a standardised, enforceable repayment instrument. They benefit buyers, suppliers, and funders by bringing clarity, consistency, and transparency to trade credit transactions.

Credit Circuit’s digitally managed PN process modernises a well-established legal instrument, combining proven enforceability with automated workflows and approval controls.