Everything you need to keep credit clear.
Eight simple tools that bring your credit records into one clear digital place. Built for everyday individuals, businesses, suppliers and customers.
01 — Digital Agreement Records
Record the agreed amount, dates, duration and important details between both parties clearly in one place.
- Record principal sum, start date, and tenure duration
- Attach terms or relevant notes agreed upon by both parties
- Easily viewable and exportable record summary
02 — Mutual Confirmation
Both parties can review and confirm the agreement for a clearer shared record and reduced misunderstandings.
- Both parties review identical agreement terms
- Clear visual confirmation status (Pending, Confirmed)
- Eliminates one-sided disputes or forgotten terms
03 — Payment Tracking
Record full or partial payments and maintain an organised, timestamped payment history.
- Log partial and full payments as they happen
- Automatic calculation of remaining balance
- Itemised transaction timeline with dates and notes
04 — Agreement Closure
Complete a credit record after the agreement has been settled, ensuring a clean historical log.
- Mark agreements as formally closed upon full settlement
- Mutual closure acknowledgement for both parties
- Archived historical records accessible whenever needed
05 — Business Credit
Maintain organised credit records between businesses, suppliers and customers.
- Track supplier credit terms and payment records
- Keep customer credit tabs accurate and transparent
- Separate business ledger from personal agreements
06 — Interest Credit
Record principal, agreed interest details and interest payments in one place.
- Log agreed interest terms and calculation periods
- Track periodic interest receipts and principal balances
- Clear chronological record of all interest entries
07 — Chit Credit
Organise group participation, monthly records and payment information together.
- Maintain member participation and contact rosters
- Track monthly collection rounds and payment entries
- Record monthly allocations and winner summaries clearly
08 — Insights & Reminders
See active records, upcoming activity, pending confirmations and completed agreements at a glance.
- Dashboard overview of active, completed and pending records
- Timely reminders for upcoming expected payment dates
- Filter and sort records by category and status
Four dedicated credit categories
Keep personal, business, interest and group credit records neatly separated.
Hand Credit
Direct agreements between individuals, friends, and family for clear shared understanding.
Business Credit
Credit records for goods, supplies, and customer tabs between everyday trading partners.
Interest Credit
Clear tracking of agreed principal amount and interest payment records.
Chit Credit
Member records, monthly rounds and collection information kept in one central ledger.
Keep every credit clear and recorded.
Create, confirm and track your credit agreements with Hand Credit.