Three credit options designed for different stages of your business. No application fee. No hidden charges during your credit term.
New partners, no business verification required. No credit check, no business registration required.
Connect your store to activate
Instant $200 USD balance
Cost: Free to activate, free to use within term
Partners who want to hold inventory with PT5. The inventory itself serves as collateral.
Pay 50% upfront, we cover the rest
Restocking rule: Notify when below 50%
Cost: Free during credit term
All PT5 partners from day one. Accumulate 5% of all order amounts across all your stores.
Cost: Free to accumulate and use
Credit expires after 1 year of inactivity
Apply for access whenever needed
If payment is not received by the due date, a monthly management fee of 0.5% (five per thousand) applies to the outstanding balance.
We strongly encourage proactive communication if you anticipate a delay.
For outstanding balances that remain unpaid beyond the agreed term, PT5 reserves the right to:
These measures are a last resort. We always prefer to resolve issues through direct communication first.
| Method | Application Difficulty | Fees / Costs | Flexibility | Best For |
|---|---|---|---|---|
| PT5 Starter Credit | No Qualifications | FREE | Ultra-High | All New Partners |
| PT5 Inventory Credit | Low (Requires Stock) | FREE during term | High | Stock-holding Sellers |
| PT5 Cumulative Credit | No Qualifications (Auto) | FREE | High | Long-term Partners |
| Bank Letter of Credit | High Difficulty | Fees + Interest | Low | Major Global Trade |
| Online Loan Platforms | Moderate Difficulty | High Interest Rates | Medium | Emergency Cash |
Connect your store to get $200 starter credit instantly, or talk to us about inventory and cumulative options.
Credit terms subject to final agreement. Terms and conditions apply.