Membership-based commercial framework
Self Repay Credit
An integrated membership-based commercial framework that converts customer loyalty into working capital, and consumer spending into self-repaying purchasing power.
Executive Summary
Predictable spending, turned into a self-reinforcing economic engine.
SRC systematically converts customer loyalty into working capital while preserving strict margin discipline. It integrates into existing operations without introducing traditional borrowing into the relationship between a business and its customers, creating a closed loop where purchasing activity generates both immediate business value and future consumer purchasing power.
The Problem
A trade finance gap that conventional lending cannot close.
$2.5T
Global SME trade finance gap.
$100–130B
Africa's annual trade finance gap.
SMEs make up more than 90% of businesses in Kenya and across Africa, yet struggle with working capital while traditional loans remain slow, expensive and stressful. SRC provides embedded, usage-based financing inside normal trade activity.
Architectural Framework
Three components, one closed loop.
Membership foundation
An annual membership fee and a minimum monthly spending commitment, offered exclusively through businesses with established consumer trust.
Credit generation
A fixed portion of monthly member spending is recorded as usable commercial credit — redeemable only within the enrolling business, with no repayment obligation.
Capital formation
Membership fees collectively form a non-debt capital pool deployed into bulk procurement, inventory systems and operational efficiency.
Consumer Value Proposition
Credit that repays itself through ordinary shopping.
Purchasing power transformation
Routine, unavoidable monthly shopping becomes permanent, self-replenishing purchasing power — credit that repays itself as normal buying continues.
Debt-free credit extension
Members access goods and services without traditional repayment obligations. Each subsequent purchase's savings automatically settles prior credit.
No behavioural change required
Value accrues inside existing shopping patterns. There is nothing new to learn, schedule or repay.
Trust architecture
Membership is offered only through businesses the consumer already trusts, with transparent mechanics and predictable outcomes.
Business Value Proposition
Retention, capital and margin — in one structure.
Structural loyalty
SRC mechanics embed customers into the commercial ecosystem, creating a competitive barrier that discounting and points cannot replicate.
Non-debt capital pool
Aggregated membership fees form working capital deployed into bulk procurement, inventory optimisation and growth — rather than borrowed funds.
Predictable recurring revenue
Committed monthly spending stabilises revenue, sharpens forecasting and enables efficient inventory and supply-chain negotiation.
Margin discipline
Member savings and credit issuance are capped by design, so the repayment cycle operates without eroding margin.
Triple revenue stream architecture
01
Direct retail revenue
Normal margin earned on committed monthly member spending.
02
Credit float value
Economic benefit derived from outstanding, unredeemed SRC credit.
03
Capital efficiency gains
Value released by strategically deploying the pooled membership capital.
How It Works
The framework, step by step.
Exact rates and thresholds are configured for each business following assessment.
Step 01
Annual membership
The business sets an annual membership fee, establishing the member's formal participation in the framework.
Step 02
Monthly shopping commitment
Members commit to a minimum monthly shop, set as a share of the annual fee and scheduled on a date the business chooses.
Step 03
Automatic savings
A fixed share of each month's shopping is set aside automatically as member savings.
Step 04
Credit allocation
A portion of those savings is matched with SRC credit by the system.
Step 05
SRC available balance
Savings plus credit form the member's spendable SRC balance, redeemable at the enrolling business at any time.
Step 06
Self-repayment cycle
From month two, a share of new savings settles part of the previous month's credit, keeping the balance stable and exposure capped.
12 months
Membership cycle over which credit and savings are managed
Capped
Credit exposure, structurally limited by design
Non-debt
Capital formed from membership fees, not borrowing
Assessed
Every business reviewed before it is authorised to issue SRC
SRC credit is not a conventional liability — it is a repayment mechanism engineered for sustainability. Savings are issued, credit is received, and savings repay prior credit. The economic cost is prepaid by the member through the annual membership fee, so the structure is designed to avoid cash-flow strain on the business.
Private Financing
Working capital sized to how your business actually trades.
For assessed businesses, SRC offers private financing sized from verified SRC issuance history rather than collateral. Repayment is drawn from a small share of ongoing issuance, so growth capital moves in step with real trading activity.
01
Issuance review
We review a business's SRC issuance history over a twelve-month period.
02
Stability-adjusted line
The credit line reflects average monthly issuance, adjusted for how steady that issuance is. Consistent trading supports a stronger line.
03
Repayment from issuance
A small share of ongoing SRC issuance is directed automatically to the lending pool — no separate instalment calendar to manage.
04
Defined recovery window
Every facility has a defined maximum recovery period, with the expected timeline shown upfront.
Facilities are subject to assessment and approval. Full pricing, total repayment and terms are provided in writing before any facility is accepted.
SRC Value Guide
Your membership fee, and the SRC it unlocks.
A general guide for everyone. Find your membership fee in the ranges below, or type an exact amount underneath to see your SRC value. The chart stops at 50,000, but the calculator works for any amount.
| Annual membership fee | SRC value |
|---|---|
| 0 – 5,000 | 0 – 975 |
| 5,000 – 10,000 | 975 – 1,950 |
| 10,000 – 15,000 | 1,950 – 2,925 |
| 15,000 – 20,000 | 2,925 – 3,900 |
| 20,000 – 25,000 | 3,900 – 4,875 |
| 25,000 – 30,000 | 4,875 – 5,850 |
| 30,000 – 35,000 | 5,850 – 6,825 |
| 35,000 – 40,000 | 6,825 – 7,800 |
| 40,000 – 45,000 | 7,800 – 8,775 |
| 45,000 – 50,000 | 8,775 – 9,750 |
| Above 50,000 | Use the calculator below |
Illustrative guide only. SRC is commercial credit usable at the enrolling business; it is not cash, a deposit or an investment return. Exact terms are confirmed by the business when you join.
Cost Structure & Scale Validation
Capital deployed with discipline, verified before issuance.
Cost of goods and operating expenses stabilise only when the non-debt capital pool is strategically deployed to pre-order from suppliers. Membership capital becomes leverage for better supplier terms and long-term supply contracts, while member retention reduces the marketing and acquisition spend required over each twelve-month cycle.
Scale compounds the effect: a larger membership base pools more non-debt capital, which lowers unit costs and makes SRC issuance more sustainable.
Before Authorisation
Formal business assessment
Every business must undergo a formal assessment, subject to internal review, validating operational capacity, financial structure and the ability to issue SRC sustainably at scale.
Request an assessmentSRC Mobile App
Take your SRC with you.
Members, businesses and the SRC Reserve each have a dedicated portal in the app — to view balances, follow transactions and manage participation. Access to each portal is issued by SRC after verification.
Installing the app
- 01Download the APK file to your Android phone.
- 02Open it, and if prompted, allow installation from your browser or file manager.
- 03Open SRC and sign in with the access details issued to you.
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