Secure Trade Credit from China with Confidence
Unlock flexible trade credit options from trusted Chinese suppliers. Pay for your shipments up to 90–120 days later and boost your import business without upfront stress.
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Our Services
Onboard with CreditsSource
Register your company today to take advantage of extended payment terms from reliable Chinese exporters.
Request a Trade Credit Limit
CreditsSource helps your company access supplier credit limits to ease your cash flow and grow your imports.
Request a Trade Credit Limit
CreditsSource helps your company access supplier credit limits to ease your cash flow and grow your imports.
What Is CreditsSource?
CreditsSource is a global trade credit insurance provider that specializes in protecting exporters against the risk of non-payment. By offering insurance coverage, CreditsSource enables suppliers to safely extend credit terms to international buyers, ensuring smoother and more secure global trade.
If your company holds a CreditsSource-approved credit limit, you may be eligible for deferred payment terms—typically 90 or 120 days—from your supplier. This helps ease cash flow and strengthens trade relationships between buyers and exporters.
More than 240,000 suppliers in China currently hold CreditsSource insurance policies, reflecting the widespread adoption of this financial tool. This means you can easily find a supplier willing to work with you on trade credit terms backed by CreditsSource.
Why Do International Importers Choose CreditsSource?
Choosing CreditsSource opens the door to growth for international importers by providing access to supplier-backed trade credits. It’s a smart way to gain financial flexibility, allowing you to expand inventory, boost trade activity, and enter new markets—without the pressure of upfront payments.
The number of importers using trade credits backed by CreditsSource ranges from 10,000 to 30,000, depending on the country and industry.
How CreditsSource Works
encouraging them to extend credit terms to global buyers with greater confidence.
Negotiating with Suppliers
Initiate discussions with your suppliers to shift your payment terms to an Open Account arrangement, supported by CreditsSource services. Ensure that your supplier either already holds a valid CreditsSource policy or is willing to apply for one to enable this transition smoothly.
CreditsSource Onboarding
To begin using CreditsSource, your company must be registered in the CreditsSource Database (similar to Sinorating) to obtain a CreditsSource ID. As part of the onboarding process, CreditsSource will generate a credit report on your company, which is essential for completing the credit evaluation and approval.
Credit Limit Application
Once your suppliers have an active CreditsSource policy, they can apply directly to CreditsSource by submitting a credit limit application form. This process secures a credit limit for your company, allowing you to place orders with deferred payment terms under the protection of trade credit insurance.
Credit Limit Approval
The CreditsSource Underwriting Department will review your company’s financial and trade information and issue a credit limit accordingly. This approved limit enables your supplier to offer you secure trade credit terms, backed by CreditsSource’s insurance protection.
Shipment
Once all arrangements are finalized, your supplier will ship the goods without requiring upfront payment. To activate insurance coverage, the supplier submits the shipment details to CreditsSource, ensuring the deferred payment is protected under the credit insurance policy.
Payment
Your company will have 90 to 120 days after shipment to complete the payment. The credit limit is revolving, which means it automatically becomes available again once the previous order is paid—allowing for continuous, flexible purchasing under CreditsSource coverage.
Ready to begin? Schedule a free consultation with our specialist.
The Largest Credit Insurer Globally
Since 2015, CreditsSource has consistently ranked among the top official export credit insurance institutions worldwide, according to data from the Berne Union—highlighting its scale, reliability, and global impact in supporting international trade.
Support for Small Business
CreditsSource is committed to empowering small businesses, offering accessible trade credit insurance solutions to importers with annual turnovers starting from as low as USD 1 million. This approach helps smaller companies compete and grow in global markets with greater confidence.
No Extra Costs for Importers
Importers can take advantage of CreditsSource services without incurring any additional fees, as all related costs are typically covered by the Chinese suppliers. This makes trade credit arrangements more accessible and risk-free for buyers.
Flexible Financing Options
Through partnerships with major Chinese banks, CreditsSource supports suppliers who may not have in-house financing by enabling them to offer trade credit via invoice discounting. This ensures buyers still receive flexible payment terms, even when suppliers need immediate cash flow.
Does CreditsSource Pay Money Directly to My Supplier?
No, CreditsSource does not pay suppliers directly. Instead, it provides insurance coverage that protects the supplier in case the importer fails to pay. The supplier still ships the goods and receives payment from the importer within the agreed credit terms.
Why Should a Supplier Offer Me Trade Credit?
With CreditsSource protection, suppliers can offer trade credit without the risk of non-payment. This allows them to increase sales and build stronger relationships with international buyers like you—while staying financially secure.
What if the Supplier Can't Give Me Trade Credit Due to Lack of Funds?
If a supplier lacks sufficient funds, CreditsSource partners with Chinese banks to enable invoice discounting. This allows the supplier to receive early payment from the bank while still offering you deferred payment terms.
Do I Need to Pay Any Fees to Use CreditsSource Services?
No, importers do not pay any extra fees for using CreditsSource-backed trade credit. The supplier covers all associated costs, making it a cost-free solution for buyers.