InsightsJul 16, 2026
How to Create a Credit Policy for Your Business
A credit policy sets the rules for who can buy on credit, how much credit they can get, and when they are expected to pay.
Credit infrastructure for NigeriaTrack Who Owes You.
Track Who Owes You.
Get Your Money Back
OnCRE helps Nigerian businesses track what customers owe on goods sold on credit and recover it when they don't pay. For lenders and financial institutions, we bring structure and scale to delinquent loan portfolios.
The Problem
Unpaid credit is costing you.
01
Customers stop paying and stop responding
02
Records are scattered. Following up feels awkward.
03
Delinquent accounts pile up faster than you can chase them.
04
Chasing debt yourself takes time you don't have.
Solutions
Built for how you operate.
From tracking a single debtor to running recovery across a full loan portfolio.
For business owners
Tracking & Reminders
Record what customers owe and get paid before it becomes a recovery problem.
Explore trackingFor business owners
Recovery for Business Owners
When customers stop paying for goods on credit, our team recovers it for you - no fee unless we succeed.
Recover unpaid creditFor financial institutions
Recovery for Financial Institutions
Structured, scalable recovery infrastructure for lenders and cooperatives managing delinquent loan portfolios.
See enterprise recoveryWhy OnCRE
Better recovery means a better business.
More Cash In. More Room for Growth.
Every payment that comes back is money you can put back to work. More capital in the business, More stock to move and more credit to offer.
Protect Trust While You Recover
The people who owe you are often people you know. We follow up in a way that gets results without damaging the relationship.
Focus on Your Business, Not Follow-Up
You didn't start your business to chase debt. Hand it over to us and get back to what actually matters.
How it works
Simple. Structured. It works.
Record
Log what each customer owes in seconds.
Remind
Automatic reminders via WhatsApp & SMS.
Recover
Our team steps in when payments stall.
Get Paid
Funds settle to your account. Ledger stays clean.
Real Results
Real Nigerian businesses. Real recoveries.
Hear directly from the merchants and lenders using OnCRE to bring structure to their credit.
“OnCRE recovered money I'd already written off.”
From the OnCRE Blog
Insights on credit, recovery, and building a business in Nigeria.
Practical guides and stories to help Nigerian businesses manage credit better.
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