Disputed balances
Customer says they paid; shop says they did not. Without a shared record, trust erodes and good customers walk away.
CREDITOR gives small and mid-scale businesses a shared digital credit ledger and a practical Shop Manager — so customers request on WhatsApp, balances stay clear, and sales staff cannot quietly rewrite the books.
The daily reality
Most neighbourhood credit still lives in paper, memory, or a staff member’s phone. That is where disputes, forgotten debts, and quiet stock losses begin.
Customer says they paid; shop says they did not. Without a shared record, trust erodes and good customers walk away.
Owners who are not always on the floor cannot see every credit sale or every repayment — openings for sharp practices.
Credit moves goods out the door. Without catalog and low-stock alerts, shelves empty before the owner knows.
Two products · one ecosystem
Start with clean credit records. Add Shop Manager when you want catalog, staff sales, receipts, and stock control from the same place.
A shared, verifiable record of every credit request, approval, and repayment between your shop and your customers.
You are not borrowing from CREDITOR. Your customers still owe you — we only keep the ledger straight.
Day-to-day control for growing shops: catalog, staff WhatsApp sales, receipts, and low-stock alerts — after a full-feature trial.
Built for owners who cannot stand behind the counter all day — but still need the truth of what moved.
Simple flow
From a customer’s WhatsApp message to a clear balance — without new habits that staff will ignore.
An agent or the owner registers the shop, basic bio-data, and location. Your store appears on the shared map of active shops.
They message the CREDITOR bot the way they already chat: “5 eggs, 2 bread…” No new app required for the customer.
Approve or decline. Both sides see the same entry. Repayments update the balance and generate an itemised receipt.
Turn on catalog, staff sales, receipts, and low-stock after the trial — so the floor and the owner stay in sync.
Built for operators
A shared ledger means “I paid already” is settled by the record, not by volume of voice.
See credit given, repaid, and outstanding even when you are not in the shop — including staff-driven sales when Shop Manager is on.
Sales staff can work through WhatsApp workflows without needing the owner’s full control of the ledger.
Low-stock thresholds warn you before popular lines disappear — especially when credit is moving inventory fast.
Platform charges on repayment are itemised. Customers and shops see what was paid for the service.
Interfaces and messaging aim to meet traders and customers in the languages they already use.
Simple commercial terms
No balance-sheet lending. You pay for software and platform services that keep the ledger and tools running.
Activation when the shop is verified and set up on CREDITOR.
Annual access to the shared credit ledger for the shop.
Catalog, staff WhatsApp sales, receipts, low-stock — full-feature trial then paid subscription.
Customer 1% and shop 1% on successful repayment amounts — itemised on the receipt.
Who it is for
If you sell on credit in a market, street, or estate — and you care who owes what — CREDITOR is built around that reality.
Next step
Leave your details. An onboarding agent or our team will reach you to register the shop, explain Shop Manager, and schedule activation.
We have your request. A team member or agent will follow up on WhatsApp or phone.