verified Ship Now, Pay Later

Cash Flow Shouldn't
Stop Your Growth.

Three credit options designed for different stages of your business. No application fee. No hidden charges during your credit term.

Level 1: Launch

Starter Credit$200 Starter Credit — No Qualifications Needed

New partners, no business verification required. No credit check, no business registration required.

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Connect your store to activate

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Instant $200 USD balance

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Cost: Free to activate, free to use within term

Level 2: Scale

Inventory Credit50% Inventory Credit — Buy Stock, Pay Half Upfront

Partners who want to hold inventory with PT5. The inventory itself serves as collateral.

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Pay 50% upfront, we cover the rest

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Restocking rule: Notify when below 50%

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Cost: Free during credit term

Level 3: Loyal

Cumulative CreditCumulative Credit — 5% of Every Order Builds Your Limit

All PT5 partners from day one. Accumulate 5% of all order amounts across all your stores.

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Cost: Free to accumulate and use

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Credit expires after 1 year of inactivity

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Apply for access whenever needed

The Lifecycle of Your Credit

1

Apply

Instant activation

2

Use

Pay orders with credit

3

15-30 Days

The Free Term

4

Repay

Restore your limit

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On-Time Repayment

Zero fees. Your credit score improves, leading to higher limits and longer terms.

$0 Fees
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Overdue Payment

Transparent management fee applied monthly to the outstanding balance.

0.5% / month

General RulesClear Terms. No Surprises.

Credit Terms & RepaymentCredit Terms

  • • Standard credit term: 15-30 days from invoice date
  • • Term length is negotiable based on order volume and partnership history
  • • We notify you 3 days before the due date
  • • As you build history, your credit limit and terms can improve

Late Payment Management Fee

If payment is not received by the due date, a monthly management fee of 0.5% (five per thousand) applies to the outstanding balance.

calculateFee example: $1,000 outstanding → $5/month management fee

We strongly encourage proactive communication if you anticipate a delay.

"We're not a bank. We're a partner. If you're struggling, talk to us. We'll work with you if you're honest with us."

Default & Recovery

For outstanding balances that remain unpaid beyond the agreed term, PT5 reserves the right to:

  • • Hold or redirect all pending orders under your account(s)
  • • Dispose of inventory products held in your name to recover the debt
  • • Transfer the debt to a third-party collection agency for further recovery

These measures are a last resort. We always prefer to resolve issues through direct communication first.

Financing Comparison

MethodApplication DifficultyFees / CostsFlexibilityBest For
PT5 Starter CreditNo QualificationsFREEUltra-HighAll New Partners
PT5 Inventory CreditLow (Requires Stock)FREE during termHighStock-holding Sellers
PT5 Cumulative CreditNo Qualifications (Auto)FREEHighLong-term Partners
Bank Letter of CreditHigh DifficultyFees + InterestLowMajor Global Trade
Online Loan PlatformsModerate DifficultyHigh Interest RatesMediumEmergency Cash
verified_user No Hidden Fees
lock Transparent Terms
handshake Direct Communication
speed Instant Activation
support_agent Dedicated Support

Choose the Credit That Fits Your Business

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.