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For suppliers

Offer 30-day terms. Get paid like it's COD.

Your customers want extended payment terms. You want to get paid on time. We sit between you — extending credit to your customers, paying you on day one, and absorbing the default risk so you don't have to.

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Primary product

Supplier Credit

Issue invoices through monetiq. Customer gets 30 days. You get paid today.

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Your customer sees a 30-day no-fee invoice from you. We underwrite their credit, collect payment when due, and wear the risk if they default. You decide whether to wait for settlement (free for you) or take an early advance (small fee, paid same day).

  • Customer pays no fee, ever — your terms stay competitive
  • Optional same-day advance for an early-settlement fee
  • Per-customer credit limits you control
  • Issuance from your existing accounting flow (Xero supported)

Also useful

Trade Finance

Carrying supplier-side cashflow gaps yourself? You can apply on the borrower side too.

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Many suppliers also need flexible terms with their own upstream suppliers. Apply for Trade Finance on the borrower side and you can pay your suppliers within 24 hours from the same monetiq account.

  • Same monetiq account, both sides of the trade
  • Use Supplier Credit to give terms; use Trade Finance to take them
  • One reconciliation, both directions

Why monetiq for this work

Built for wholesale, manufacturing, and b2b service suppliers.

Compete on terms without becoming a lender.

Offering trade credit traditionally means writing off bad debts every year and spending hours chasing slow payers. We do that work; you keep the customer.

Bring your customer book across.

Customers you already invoice can move to monetiq in one click. New customers you invoice can sign up via the invoice itself — five-minute onboarding, no separate sales call.

Stop the AR debt cycle.

Your aged receivables stop being your problem. We handle collection, monitoring, and any disputes; you ship product.

Stop carrying your customers' AR.

Two-minute application. We can usually have your first Supplier Credit invoice issued within 24 hours of approval.

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