Installment commerce, engineered

Sell on credit. Sleep at night.

Credix is the system of record for shops that sell on muddatli to’lov. Track every product, contract, and som you’re owed — with automatic reminders, per-shop reliability scoring, and a permanent history of everything.

The notebook problem

You’re running a lending business out of a paper notebook.

Who paid? Who’s late? Which IMEI went to whom? How much is actually owed this month? When the answers live in your head and a stack of cheques, money slips through the cracks — and you’re the one chasing it.

Money you forget to collect

A missed reminder is a missed payment. Multiply that across 47 customers.

No idea who to trust

Every new buyer is a guess. You have no record of who pays on time.

Zero visibility

What’s due in 30 days? How’s cash flow trending? You’re flying blind.

0%
of contracts tracked in one place
No more notebooks
0
automatic reminders per contract
D-3 → D+14
0
currencies, always in sync
USD · UZS
0
languages out of the box
UZ · RU · EN
01 — CREATE

Write a contract in under a minute.

Pick the customer, scan the IMEI, set the advance and schedule. Credix generates the full installment plan and a signed PDF — instantly.

02 — REMIND

The system chases payments, so you don’t.

Credix sends reminders by SMS and Telegram on a schedule — three days before, on the day, and after if they slip. In the customer’s own language.

03 — COLLECT

Every payment, with proof attached.

Customers upload a cheque photo the moment they pay. You confirm with one tap. Partial payments, penalties, and early-payment discounts are handled automatically.

04 — SCORE

Know exactly who to trust next time.

Every contract feeds a reliability score that’s personal to your shop. Reward your best customers, and think twice before the risky ones.

NSY-2026-0142 ACTIVE
iPhone 17 Pro
256GB · Silver · IMEI 356938105419776
Monthly
$100
Term
10 mo
Advance
$420
Apr 12 · Installment 1PAID
May 12 · Installment 2DUE
Jun 12 · Installment 3
Reminder timeline
SMS · D-3Salom Akmal! Navbatdagi to‘lovingiz $100 — 12-iyun sanasida.
Telegram · DBugun to‘lov kuni. To‘lov: $100. Rahmat!
SMS · D+3Eslatma: $100 to‘lov kechikmoqda. Iltimos, bog‘laning.
D-3 / D / D+1 / D+3 / D+7
PAYMENT · #2 PENDING CONFIRM
cheque_2026-05-18.jpg
Confirm $100
Reject
Reliability score · this shop
92
/ 100
Excellent
On-time 97% · 0 defaults · top 10% of your customers
Everything in one place

A complete system, not another spreadsheet.

Automatic

SMS & Telegram reminders that never forget

When a customer forgets to pay, Credix doesn’t. Reminders fire on a schedule — before, on, and after the due date — in Uzbek, Russian, or English.

Credix · SMSSalom! To‘lov $100, 12-iyun. Rahmat.
Per-shop

Personalized reliability scoring

Each customer earns a score based on how they pay you — on-time rate, completed contracts, days late.

92
Excellent
97% on time
38
71
92
USD · UZS

Dual currency, locked

$1,480
18,485,200 so‘m · rate locked at signing
OCR

Passport in, fields out

Customers snap their passport at registration. OCR fills name, PINFL, DOB, and address — you just confirm.

Permanent

Nothing is ever lost

Every payment, message, contract change, and restructure is recorded with a timestamp. The full history of a customer — and your whole shop — is one search away.

09:42Akmal paid $100 — NSY-0142
08:15Jasur submitted registration
17:30Reminder sent to Bobur
From first sale to fully paid

How a shop runs on Credix

SCROLL →
STEP 01

Share your link

Send customers a registration link. They sign up with a phone number and a passport photo — no app to install, no paperwork.

STEP 02

Approve & sell

Review the OCR-filled profile, approve in one tap, then build the contract: product, advance, schedule. A signed PDF is generated automatically.

STEP 03

Let it run

Credix sends reminders, accrues penalties on late payments, applies early-payment discounts, and keeps both currencies in sync — without you lifting a finger.

STEP 04

See everything

Your dashboard shows expected income, overdue amounts, today’s call list, and aged receivables. You always know where you stand.

THE RESULT

You collect more, stress less.

Fewer missed payments. Better customers. A business you can actually see — and grow.

Get started
Built for shops in Tashkent & beyond

Stop chasing payments.
Start running the system.

Credix replaces the notebook, the cheques, and the guesswork with one platform that remembers everything and reminds everyone.

Get started free Book a walkthrough
Get in touch

Talk to a human.

Questions, a demo, or help getting set up — reach us directly.