In business, timing is everything. Production schedules, deliveries, and customer commitments all depend on one key element — access to materials and goods when you need them. But what happens when a business has a great opportunity — a confirmed purchase order, a ready buyer, and a profitable deal — yet the supplier refuses to extend credit due to:
- Limited credit history
- Insufficient credit
- Lack of supplier relationship
- High order value or volume concerns
This is where Supplier Credit Assurance becomes a game-changer.
Supplier Credit Assurance doesn’t convince suppliers to extend credit to just anyone. Instead, it serves a very specific purpose: Asset Commercial Credit™ assures the supplier that Asset — not the buyer — will pay for the goods. This isn’t insurance or supplier protection against their random customers. It’s a structured financial tool that enables your supplier to trust you from day one, even if you don’t have a credit history yet.
What Is Supplier Credit Assurance?
Supplier Credit Assurance is a financial solution where a third-party financier (Asset Commercial Credit™) provides payment assurance to a supplier so that the supplier is willing to ship goods or raw materials to a business that needs them. Instead of the supplier taking on risk, Asset steps in as the assurance party, guaranteeing payment once the goods are delivered and accepted.
This allows businesses to:
- Acquire materials without paying upfront
- Fulfill large orders and purchase orders sooner
- Build supplier partnerships, even without traditional credit
And most importantly — it ensures suppliers get paid on time, every time.
What Is a Credit Supplier in Accounting?
In accounting terms, a credit supplier is a vendor who provides goods or raw materials but allows the buyer to pay later, usually under 30-, 45-, or 60-day terms. The buyer records this obligation as Accounts Payable, while the supplier records it as Accounts Receivable.
Supplier Credit Assurance makes this relationship possible even when the supplier is hesitant, because payment assurance comes from Asset Commercial Credit™ rather than the buyer’s credit history.
How Supplier Credit Assurance Works?
This is the exact process used by Asset Commercial Credit™.
Supplier Agreement
Suppliers agree to extend credit terms to our clients for the delivery of goods or raw materials on special terms.
Delivery of Goods
The Supplier ships the goods or raw materials directly to our Client — or sometimes drop-ships to our Client’s customer.
Credit Assurance
After the finished goods are received and accepted at the designated location, either the Client or the Supplier notifies Asset Commercial Credit™ of the successful delivery.
Invoice Submission
The Supplier submits an invoice for the goods delivered to our Client.
Payment to Supplier
Upon verification of acceptance, Asset Commercial Credit™ finances or factors the receivable linked to the supplied goods and pays the supplier directly, ensuring the supplier receives immediate payment.
Client Repayment
The Client repays Asset Commercial Credit™ according to pre-arranged terms through:
This completes a smooth, predictable cash-flow cycle.
Why Businesses Use Supplier Credit Assurance
Here are the biggest benefits businesses experience:
Grow faster — without waiting for credit approvals
Many companies lose deals simply because they can’t secure materials fast enough. Supplier Credit Assurance removes that obstacle.
Build new supplier relationships — instantly
Even if a supplier has never heard of your company, they are much more comfortable shipping goods when payment is assured by Asset.
No upfront capital required
Businesses can accept larger customer orders and deliver without draining cash reserves.
Allows small companies to compete with larger competitors
Access to credit is often the only difference between winning and losing big purchase orders.
Why Work With Asset Commercial Credit™?
Asset Commercial Credit™ has been helping businesses grow for over 25 years.
Unlike generic lenders or insurance products, Asset:
- Supports ONLY suppliers working with Asset’s clients
- Pays suppliers directly — not through complicated insurance processes
- Provides real-time communication throughout the transaction
- Helps businesses unlock growth opportunities that were previously out of reach
Their mission is simple: To remove financial barriers that limit business growth.
Final Thoughts
Supplier Credit Assurance is not just about financial backing — it’s about removing barriers that stop businesses from growing. It enables companies to confidently take on new opportunities, secure raw materials, and build supplier trust even without established credit.
If your company has:
- Purchase orders
- A supplier unwilling to extend credit
- A desire to grow faster
Then Supplier Credit Assurance from Asset Commercial Credit™ may be exactly the solution you need.
