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Giving Credit Made Simple for Small Businesses

Your Smart Tool for Managing Who Owes You, Track Credit and Offer payment flexibility. Grow your business with trust all from your phone.

Mobile-friendly

OnCRE is built to work seamlessly on any smartphone. Whether you are using an entry-level device or a high-end phone, the interface adapts to give you a smooth, easy-to-use experience. No need for special devices or complex installations.

Fast setup

OnCRE is optimized for areas with limited internet connectivity. The platform consumes very little data, so merchants and customers can transact affordably and reliably without worrying about high data costs.

Runs on low data

What is OnCRE?

OnCRE is a web mobile-friendly first credit management tool designed specifically for small business owners. With just your phone number and a 4-digit PIN, you can register your business, onboard customers, and start offering credit; no paperwork, no stress.
Whether you sell groceries, fashion, electronics, or run a salon, OnCRE helps you track debts, remind customers, and get paid faster.

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How it Works

OnCRE makes giving credit simple and secure. Merchants create offers in minutes, customers confirm with a single SMS and the system manages collateral automatically ensuring trust, speed, and ease for small businesses.

Register

Add Business Details

Add Your Business Info (name, type, location)

Offer Credit

Start Offering Credit to trusted customers

Track Repayments

Track Repayments and send reminders effortlessly

Our Mission Statement

I believe trust is the real currency of our markets. OnCRE exists to protect that trust, making credit safer, easier, and more reliable. Our mission is to help businesses grow, give people access to what they need, and build stronger communities with every transaction.

Ifeanyi Aliandu

Founder at OnCRE

Why Choose OnCRE?

Whether you're selling from your shop, street, or smartphone OnCRE fits right into your daily hustle. No tech skills required.

Quick Onboarding

Secure Login

Add Your Business Info (name, type, location)

Customer Credit Tracking

Know exactly who owes you, how much, and when.

Simple Reminders

Send gentle nudges to customers to repay on time.

Free to Start - No hidden fees. No long forms

Just smart credit management.

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Credit with Trust. Trust that grows. Security that endures.