Real Working Capital, Earned by Your Own Sales: Restock Credit on Pata Deals
Ask most small businesses here why they cannot grow stock faster, and the answer is rarely appetite. It is capital. A bank wants collateral, a credit history, and paperwork that a market trader or a neighbourhood shop was never set up to produce, no matter how well the business is actually doing. Pata Deals now closes that gap with restock credit, earned entirely from what you have already sold.
There is no application form, no guarantor, and nothing pledged. Your credit ceiling comes straight from your own trading on the platform: what you have paid for in restock orders and what you have sold through your till over the last 30 days. Trade more, and the ceiling moves with you. The collateral is simply that you kept selling.
Here is what it looks like at the counter:
- Instant, at the point you need it. When you place a wholesale order and your cash does not cover it, approved credit pays the seller immediately, in the same checkout. No stockout while you wait on a transfer.
- Repaid by your own sales, automatically. You do not set aside a lump sum or remember a due date. Your daily takings settle what you owe before the rest reaches your payout, quietly, in the background.
- Interest that rewards paying it down fast, and never compounds into a spiral if a slow week gets in the way.
- A ceiling that grows with the business, not a static limit fixed the day you signed up.
This is the same tool a bank-backed retail chain uses when it draws on a credit line to meet demand instead of waiting on cash in hand. The only difference is what counts as your credit history: not a bank statement, but the sales you already made through Pata Deals.
If your business restocks and sells through the app, that history is already being built. Open the app to see your restock credit standing.