A platform

for local


Grow your


with Credex


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See Founding Member Offer

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Proven Model

Add to Accounts

Fast Onboarding

Supports Cash Flow


New Local Market

Connect with new customers and suppliers.


0% Credit

Business credit for products and services.


Free Payments

Zero costs for transfers and payments

Credex can grow your business

A proven concept that has operated in Switzerland since 1934. Credex offers small businesses a platform to connect with a new local market. It provides members more trading opportunities and zero interest credit.

Apply | Video (2mins)

Simple Explanation

Credex works well for businesses that has spare capacity. That could be stock not being sold, or hours not allocated to clients. Credex provides a platform for local businesses to buy that spare capacity from your for zero interest credit. Your balance can then be used to buy products and services from other local businesses in the network.


Founding Member Offer

Lifetime Free Membership

Credex offers small businesses a platform to access a new local market. It provides more trading opportunities and access to zero interest credit. We are currently recruiting one company from a list of business categories. These companies will have all the benefits of Credex, with lifetime free membership. They will be the only one of their business category on the network until they agree otherwise.


Only one company from each business category:

See Founding Members Offer

Application Process:


Online Application

Provide basic information about your business and how you would use Credex.


Credex Analysis

We analyse your business and evaluate how it would add value to the business credit network.


Account Verification

If you are suitable, you will need to provide proof of identification and undergo a credit check.


Grow Your Business

Once verified, you can use our platform, connect to new partners and spend zero interest credit.

Follow our West Midlands business network:

0% Credit

Credex provides an interest free credit facility to buy products and services from other businesses in the network. The credit cannot be withdrawn from the network.

Apply | Video (2mins)

New Local Market

Businesses use a platform to connect to local customers and suppliers, boosting their trading activity. We limit the number of business types on the network.

Apply | Video (2mins)

Free Payments

Payments on the Credex platform incur zero costs and are completed instantly. Credex supports you to make transactions and supports your business cash flow.

Apply | Video (2mins)

Alternative small business finance solution that can be used alongside:

Business Loans

Invoice Financing

Business Overdraft

Small Business Finance

All businesses need reliable finance. There are many options and Credex is designed to work alongside these solutions. It provides short-term working liquidity, freeing up your capital for more productive activities.

Birmingham Small Business

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Proven Model

Credex is inspired by successful schemes in Italy (Sardex) and Switzerland (WIR Bank). These networks facilitate the equivalent of hundreds of millions of Euros in transactions each year. Sardex was featured in the Financial Times, the article can be read here.

Alternative small business finance solution that can be used alongside:

Business Lending

Asset Financing

Business Funding