From a message to stock on the shelf.

The money never touches the shopkeeper

A lender pays the distributor directly, and the goods are what the retailer receives. That is the whole design, not a safeguard bolted on: a loan for stock that arrives as cash is a loan for something else by the end of the week, and it is the oldest reason inventory credit goes bad.

The collection code

When an offer is accepted, the retailer is given a code. They quote it at the distributor’s counter, the counter checks it, and the goods are released against it. It is also what ties the stock that left the warehouse to the loan that paid for it.

The lender writes the rules, the platform holds them

• The credit box

  Smallest and largest amount, longest term, minimum score, and how long an unanswered offer stays open.

• The rate table

  A flat cost by how long the loan runs — a shorter loan is never charged a longer loan’s rate, and a term the table does not reach cannot be priced at all.

• Late charges

  A grace period, a rate per overdue period, and a single cap. Penalties cannot run past it however long a loan stays late.

The agreement

Issued before any money moves, naming the lender with its approval number and taxpayer number, the borrower with their identity document, and the distributor with its registration number. Amounts are written in words as well as figures, in the language of the contract. Both sides sign, and the signed copy is what the platform keeps.

Repayment, and what happens when it slips

Reminders go out before each instalment. A payment clears late charges first, then the financing cost and its tax, then the principal — so a partial payment never quietly leaves the lender funding the shortfall. Every allocation is recorded line by line against the instalment it answered.