What is SRC?
Self Repay Credit (SRC) is a membership-based commercial framework that converts customer loyalty into working capital for a business, and everyday shopping into purchasing power that repays itself for the customer. It works inside normal trade between a business and the people who already buy from it, without introducing traditional borrowing between them.
For members
A member joins through a business they already trust and shops there as usual. A fixed share of each month's shopping is saved automatically, and the system adds SRC credit on top of those savings. The member can spend that balance at the business at any time. From the second month, a share of new savings settles part of the earlier credit, so the credit repays itself through ordinary shopping and there is nothing new to schedule or repay.
For businesses
A business sets an annual membership fee and a minimum monthly shop for its members. The fees paid by members form a pool of non-debt working capital that the business can put into bulk purchasing, inventory and growth, instead of borrowed funds. Committed monthly spending makes revenue more predictable, and the credit a business issues is capped by design so the repayment cycle does not erode its margin.
How it works
Step 01
The business sets an annual membership fee, which makes the customer a member.
Step 02
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
A fixed share of each month's shopping is set aside automatically as member savings.
Step 04
A portion of those savings is matched with SRC credit by the system.
Step 05
Savings plus credit form the member's spendable SRC balance, redeemable at the enrolling business at any time.
Step 06
From month two, a share of new savings settles part of the previous month's credit, which keeps the balance stable and the exposure capped.
Exact rates and thresholds are configured for each business after it has been assessed.
Key terms
Questions
Self Repay Credit (SRC) is a membership-based commercial framework. It lets a business turn customer loyalty into non-debt working capital, and lets members build savings and SRC credit that repays itself through their normal shopping.
Each month a fixed share of a member's shopping is saved and matched with SRC credit. From the second month, a share of the new savings settles part of the previous month's credit. Because the repayment comes out of normal shopping, the member has no separate repayment to make.
No. SRC credit is not a conventional liability. It is a repayment mechanism built into normal purchasing: savings are issued, credit is received, and savings repay earlier credit. The economic cost is prepaid by the member through the annual membership fee.
Membership is offered through businesses that the customer already trusts. A customer joins a participating business, pays its annual membership fee and commits to its minimum monthly shop.
At the business you enrolled with. SRC credit is redeemable only within the enrolling business.
Structural customer loyalty, predictable recurring revenue, and a pool of non-debt working capital formed from membership fees. Credit exposure is capped by design so margins are protected.
No. Every business is assessed and reviewed before it is authorised to issue SRC, and exact rates and thresholds are configured for each business after that assessment.
Yes. The Self Repay Credit app is available for Android and can be downloaded from the Download page on this website.