Built for both sides
of every deal.

Think of Chitmo as your outsourced AR department. We handle everything after the invoice is issued — collections, credit checks, disputes, and payment — so you never have to.

We guarantee every invoice you issue through us. If a buyer is slow to pay or doesn't pay at all, we cover it. You also gain access to buyers you might not otherwise extend terms to, because the risk is ours, not yours.

• Every invoice guaranteed, no exceptions
• We handle all collections on your behalf
• Sell to new or unproven buyers with confidence
• No more chasing payments or writing off bad debt

If you're a new company or startup, vendors may be reluctant to extend you payment terms. That's a problem — and Chitmo solves it.

We act as your guarantor with any vendor you choose to work with. To them, we're the buyer — so they get certainty, and you get the net terms you need to manage cash flow and grow. We help you build supplier relationships that would otherwise take years to earn.

• We personally guarantee your obligations to vendors
• Access trade credit even with no operating history
• Build supplier relationships from day one
• We absorb the risk so vendors say yes

We specialise in working with venture-backed startups, new companies, and lean teams that want to move quickly without hiring an entire finance department to do it.

An in-house AR team is expensive, slow to build, and overkill for most early-stage companies. Chitmo gives you everything a full AR department would — credit assessment, collections, payment guarantees — for a fraction of the cost, from day one.