Cash Flow Calculator
Don't leave money
on the table.
Maximise every invoice.
Most businesses pay suppliers on long terms and leave cash sitting idle in a bank account. Credit Plus gives you two simple tools to change that - earn more on the cash you already have, or extend your payment terms through our banking partners. No complicated finance, no new debt. Just smarter cash management.
Cash stuck. Suppliers stretched. Transfers slow.
You are probably earning a low rate on excess cash while your suppliers struggle with late payments. Both problems have the same solution.
Cash earning less than it should
Idle cash sits in the bank at a low rate. Your supplier invoices could be earning you a much higher effective return.
Suppliers under payment pressure
Long payment terms force your best suppliers to borrow expensively. Over time, that cost comes back to you in higher prices.
Transfer fees add up
Every bank transfer costs money and takes time. Paying through our wallet partner is instant and costs a fraction of the fee.
No clear view of your payables
Invoices and purchase orders scattered across email and spreadsheets. Credit Plus gives you one clear dashboard.
Start in days. No bank needed to begin.
Two simple options. Use your own cash to earn a discount return, or work with our banking partners to extend your payment terms.
Join for free
Create your account and invite your suppliers. No setup fee, no bank approval required.
Offer early payment
Offer your suppliers a small flat discount in exchange for paying their invoice early.
Pay via wallet
Settle payments instantly through our wallet partner at a fraction of normal transfer fees.
Extend with a bank
Want to keep your cash longer? Ask our banking partners to finance the payment and extend your terms.
You win. Your suppliers win. Everyone benefits.
A good supply chain finance programme only works when every party benefits. Credit Plus is designed exactly that way.
You, the buyer
- Earn a better return on cash than a bank deposit
- Or extend your payment terms and keep cash longer
- Build stronger supplier relationships
- Pay suppliers instantly at low wallet transfer fees
- One dashboard for all invoices and purchase orders
Your suppliers
- Get paid on day one instead of waiting 60-90 days
- Access early payment cheaper than any bank loan
- Choose exactly which invoices to accelerate
- Predictable cash flow every single month
- No borrowing and no new debt on their books
Two options. Pick the one that suits you.
Not sure which to use? Both are explained step by step in the calculator below. Try them both.
Use your own idle cash. Pay your supplier early, earn the discount, settle through our wallet. No bank. No waiting. No credit application.
Our banking partners pay your supplier early. You pay the bank later at extended terms. You keep your cash longer and avoid drawing on your credit line.
All financing is provided directly by our regulated banking partners. Credit Plus facilitates the connection only. Subject to bank credit approval.
Ready to put your cash to work?
Book a free 30-minute session with our team. We will map your top suppliers, run the numbers on your actual invoices, and show you a live programme - no obligation.
What Credit Plus does: Credit Plus acts solely as a technology intermediary that connects buyers, suppliers, and regulated financial institutions. Our platform facilitates the management of invoices, purchase orders, early payment programmes, and supply chain finance workflows. We do not hold, receive, transfer, or manage funds on behalf of any party.
All transactions are initiated, authorised, processed, and settled exclusively by our licensed banking partners (Housing Bank for Trade & Finance and Ahli Bank Jordan) and wallet partners, under the individual and explicit consent of each buyer and supplier. Credit Plus has no authority to initiate, approve, or execute any payment or financial transaction independently.
The calculators and financial illustrations on this page are provided for informational and illustrative purposes only. They do not constitute a financing offer, investment advice, or a commitment of any kind. Actual returns, savings, and terms will depend on programme parameters agreed between the buyer, supplier, and the relevant banking partner. Past performance of similar programmes does not guarantee future results.
Credit Plus is a Jordan-registered fintech company operating in partnership with regulated financial institutions. For questions about our regulatory standing, banking partnerships, or platform terms, please contact us at info@credit-plus.me.