Industry Use Cases
Empowering Agri-Supply Chains with Smarter Credit Terms
Agricultural producers operate on long production cycles, often far exceeding the 30- to 90-day credit terms typically offered by input suppliers of fertiliser, seed, chemicals, and fuel. This mismatch creates cash flow pressure across the supply chain. Credit Circuit bridges this gap.
Through our platform, input suppliers can offer extended credit terms of up to 270 days—aligned with the farmer’s harvest cycle—without taking on debt or providing collateral. In return, suppliers receive 90% to 100% of their receivables upfront, allowing them to grow their business without tying up capital. For farmers, access to extended terms requires no hard collateral—only a crop cession and personal or company sureties, making the solution both practical and scalable.
White-Label Receivables Financing for Logistics & Warehousing Providers
Credit Circuit enables logistics and warehousing providers to expand their offering with a fully white-labelled receivables financing solution. This allows your clients to offer trade terms to their buyers while still accessing cash up front—improving their cash flow without compromising yours.
As a distribution partner, you can offer this powerful solution under your own brand. We handle the heavy lifting—platform setup, credit checks, financing, and collections—while you strengthen client relationships and unlock a new revenue stream.
Extend your value proposition. Empower your clients. And let us do the work behind the scenes.
Manufacturing: Turn Production into Immediate Cash Flow
Manufacturers often face long cash conversion cycles—purchasing raw materials, managing production, and then offering trade terms to buyers. This ties up working capital and limits growth.
With Credit Circuit, manufacturers can offer their buyers competitive terms while still receiving 80% or more of their invoice value upfront—without taking on debt or pledging collateral.
Our platform ensures receivables are credit-insured, digitised, and financed off balance sheet, allowing manufacturers to increase output, reduce strain on their cash flow, and scale production confidently.
Media & Marketing: Unlock Cash Flow from Advertising Receivables
Whether you’re a broadcaster, billboard owner, or run a digital or outdoor marketing platform, long payment terms from agencies and advertisers can delay your cash flow and limit your ability to reinvest.
With Credit Circuit, you can unlock 80% or more of your advertising receivables upfront, immediately after invoicing—without taking on debt or offering collateral. Agencies continue to enjoy their agreed terms, while you get fast, scalable access to working capital. Our solution is fully credit-insured, off-balance sheet, and seamlessly integrates into your receivables process.
Turn ad space into immediate liquidity—while keeping your relationships and terms intact.
Ready to Power Up Your Cash Flow?
Join the growing number of South African businesses simplifying receivables and instantly unlocking capital with Credit Circuit — no debt, no delays, just smart financial freedom.