How Kredit works

From the handshake
to the last naira.

Four steps. That is all.

You agree the sale. They confirm the goods arrived. Then you both watch the same balance come down.

01

Write down the sale.

Put in what they are taking, how much it costs, the day they must pay and any extra days you are giving them.

Money owed
₦1,200,000
Pay in
30 days
Extra days
3 days
02

Let your customer say yes.

Send them a private link. They read exactly what you wrote, and nothing moves until they agree to it.

Customer
Confirmed
Terms
Accepted
Bank debit
Asked separately
03

Send the goods.

Wait for Kredit to confirm that the sale is ready to release, including bank permission. Then record the goods leaving and keep the delivery proof.

Goods sent
Saved
Goods received
Confirmed
Proof
Saved
04

Follow every payment.

Reminders, transfers, problems and the money still owed all live in the same record.

Reminders
On their phone
Problems
Can be reported
Bank debit
Only if allowed

One record for the whole sale

Both of you are looking at the same page.

You open the page. They open the page. Same amount, same payment day, same delivery history, same payments. If something is wrong, the record helps both sides review it.

Illustrative sale · sample data

TC–2048Adebayo StoresACTIVE
  1. Sale written downPayment due in 30 days
    ✓
  2. Customer said yesCustomer and terms confirmed
    ✓
  3. Goods receivedDelivery proof saved
    ✓
  4. Payment now being followed₦1,200,000 left to pay
    ✓
Money left to pay₦1,200,000

When something goes wrong

You always know the next step.

01

Something is wrong with the goods

They report it and add a photo or a paper. The money in question goes on hold while the two of you sort it out.

02

Your customer pays you directly

They tell us they have paid. You open your bank, see the money and confirm it. The balance drops the moment you do.

03

The payment day passes

Kredit sends reminders first. After the extra days you agreed, Kredit can ask the customer's bank for the money, only with valid permission and after the agreed payment and dispute checks. A dispute holds the amount in question; separate restrictions may stop further collections. A bank debit can still fail. Nobody can promise you the money.