Principal traderConsumer electronicsSingaporeLaunching

Every trade is checked before money or goods move.

supplychain.biz buys goods from suppliers and distributors, takes title, and sells them to companies on 30, 60 or 90-day terms. The supplier is paid upfront. The buyer gets time to pay.

Our own platform runs each check in order, on every trade, and posts every step to a double-entry ledger.

Launching in Singapore with handsets and accessories.

Talk to us See how the credit gate decides

We trade with companies only.

Our copy

Trade docketTRD-SPECIMEN

Supplier: Supplier (specimen)
Buyer: Buyer (specimen)
Buyer GST: Registered
Goods: Handsets, 120 units
Buyer terms: 60 days

Checks, in order
No.	Check	Evidence	Result
1	KYB and sanctions screening	Supplier and buyer verified and screened.	Clear
2	Purchase order	PO-SPECIMEN matched to the supply agreement.	Matched
3	Goods received	120 of 120 units. One IMEI per unit.	Counted
4	Credit gate	Order 60,000.00 against available 80,000.00.	PASS
5	Delivery and title	Delivery confirmed. Title passed to the buyer.	Transferred
6	Tax invoice	Customer accounting. No GST charged.	Issued
7	Cash	Buyer's payment matched from the bank statement.	Matched
Ledger footing	Ledger	Every step posted. Debits equal credits.	Balanced

Checked by the platform.
Ledger footing. Every step above posts here.

TRD-SPECIMEN

Specimen trade. Figures are illustrative.

Terms of trade

How we work.

We buy the goods. We sell on terms.

We buy from suppliers and distributors and take title to the goods.
We pay the supplier upfront.
We sell to companies on 30, 60 or 90-day terms.
We trade with companies only.

The supplier is paid now and the buyer pays later. We carry the time in between. That is how we provide working capital, through trade.

Working capital

One trade, three parties.

The supplier is paid now. The buyer pays on terms.

We sit in the middle of each trade as principal. We buy the goods, hold title until delivery, then sell on agreed terms. Goods, title and cash each move in order, after the checks that govern them.

Buyer terms

30 days 60 days 90 days

Trade flowSpecimen

Goods move from the supplier to supplychain.biz at receipt.
Goods received and counted. One IMEI or serial per unit.
Title moves from the supplier to supplychain.biz at receipt.
Title passes to supplychain.biz.
Cash moves from supplychain.biz to the supplier at receipt.
Supplier paid upfront.
Goods move from supplychain.biz to the buyer on delivery.
Delivery confirmed.
Title moves from supplychain.biz to the buyer on delivery.
Title passes to the buyer.
Gap
Carried by supplychain.biz60 days
Cash moves from the buyer to supplychain.biz 60 days after invoice.
Buyer pays. Cash matched from the bank statement.

From the supplier's payment to the buyer's, the cost of the goods sits with us. That is the working capital the trade provides.

Specimen flow. Each trade follows its signed terms.

For suppliers and distributors

Paid upfront.

Sell to us under a signed supply agreement. Each purchase order is matched to it. Once the goods are received and counted, you are paid. You do not wait for the buyer.

Supplier copyPO-SPECIMEN

Trade: TRD-SPECIMEN
Goods: Handsets, 120 units
Matched to: Supply agreement
Title: To supplychain.biz at receipt
Payment: Upfront

PO-SPECIMEN

supplychain.biz

Title, checks and the gap.

We hold title from receipt to delivery. We run every check and carry the time between the two payments. Every step posts to our ledger.

Our copyTRD-SPECIMEN

Units: 120 received, 120 IMEIs
Title: Held from receipt to delivery
Credit gate: PASS
Ledger: Balanced

IMEI register · 3 of 120 shown

00 124500 000101 6
00 124500 000102 4
00 124500 000103 2

Test-range IMEIs.

TRD-SPECIMEN

For companies buying stock

Time to pay.

Buy from us on 30, 60 or 90-day terms, within a credit limit we set and review. Title passes to you on confirmed delivery. Your tax invoice carries the correct Singapore GST.

Buyer copy Tax invoiceINV-SPECIMEN

Trade: TRD-SPECIMEN
Goods: Handsets, 120 units
Amount (S$): 60,000.00
GST: Customer accounting
Terms: 60 days
Title: On confirmed delivery

Sale made under customer accounting. Customer to account for GST of $5,400.00.

INV-SPECIMEN

Every copy carries the same trade, goods and units. One trade, recorded once.

Credit gate

Every order meets the gate before goods move.

How we decide, in real time.

Every buyer order meets our credit gate before it is accepted. The gate reads the buyer's account as it stands and answers PASS, REFER, BLOCK or PREPAY, with its working. Change the figures below. All amounts are illustrative, in Singapore dollars.

Load a case

View as

Our credit desk The buyer

Limit 100,000.00, net exposure 20,000.00, an order of 60,000.00 in accessories plus GST.

Account

Credit limit (S$)

Set by our credit committee.

No limit set

The order can still go ahead on cash in advance.

Approved temporary uplift (S$)

An increase approved by someone with authority.

Exposure

Committed (S$)

Orders accepted at the gate, not yet dispatched.

Dispatched, not invoiced (S$)

Goods sent, not yet invoiced.

Invoiced, open (S$)

Invoices issued and not yet paid.

Offsets

Identified unapplied receipts (S$)

Cash received and identified to this buyer, not yet applied.

Deposits held (S$)

Cash held on account for this buyer.

This order

Goods

Prescribed goods follow the customer accounting rule.

Order value before GST (S$)

GST is added only if the invoice will charge it.

Buyer is GST-registered

Assumes the seller is GST-registered.

Account status

Open On stop (overdue past the stop threshold) Restricted hold

Working slipGD-SPECIMEN

PASS

Order value of S$65,400.00 is within available credit of S$80,000.00.

ExposureS$
Committed	20,000.00
Dispatched, not invoiced	10,000.00
Invoiced, open	20,000.00
Gross exposure	50,000.00
Less identified unapplied receipts	(0.00)
Less deposits held	(30,000.00)
Net exposure	20,000.00

HeadroomS$
Credit limit	100,000.00
Approved temporary uplift	0.00
Less net exposure	(20,000.00)

AvailableS$ 80,000.00

This orderS$
Order value before GST	60,000.00
GST 9%	5,400.00
Order value at the gate	65,400.00

Within available by 14,600.00.

Rules, in order
1Account statusOpen	Continue
2Limit setYes	Continue
3Order value at the gate65,400.00 within 80,000.00	PASS

The gate stops at the first rule that decides.

F · footed. The figure is the sum of the lines above it.

Tax invoiceIf the order goes ahead

Seller: supplychain.biz (specimen)
Buyer: Buyer (specimen)
Buyer GST: Registered

Cases, chargers and cables	60,000.00
Value	60,000.00
GST 9%	5,400.00
Total S$	65,400.00

Customer accounting does not apply because the goods are not prescribed.

Assumes the seller is GST-registered.

Customer accounting · all four must hold

Seller is GST-registeredMet · assumed
Prescribed goodsNot met
Over S$10,000 before GSTMet
Buyer is GST-registeredMet

Recorded with its inputs, so it can be replayed.

decision: GD-SPECIMEN
parameter_version: specimen
decided_at: 2026-10-09T16:20:05+08:00

Inputs · 11

limit: 100,000.00
approved_temporary_uplift: 0.00
committed: 20,000.00
dispatched_uninvoiced: 10,000.00
invoiced_open: 20,000.00
identified_unapplied_receipts: 0.00
deposits_held: 30,000.00
order_value_ex_gst: 60,000.00
goods: accessories (standard-rated)
buyer_gst_registered: true
account_status: open

Working

gross: 50,000.00
net: 20,000.00
available: 80,000.00
customer_accounting: false
order_value: 65,400.00

Outcome

outcome: PASS

Tax

Standard rate 9%.

Singapore GST, right on every invoice.

The standard rate is 9%. Customer accounting applies when a GST-registered supplier sells prescribed goods worth over S$10,000, excluding GST, on one invoice to a GST-registered business. Prescribed goods are mobile phones, memory cards and off-the-shelf software. No GST is charged, and the invoice says why.

All four must hold

The supplier is GST-registered.
The goods are prescribed. Mobile phones, memory cards or off-the-shelf software.
The invoice is over S$10,000, excluding GST.
The customer is a GST-registered business.

Invoice wording

Sale made under customer accounting. Customer to account for GST of $X.

Same handsets, two buyers

Buyer not GST-registered

Handsets: 80,000.00
GST 9%: 7,200.00
At the gate: 87,200.00
Available: 80,000.00

REFER

Buyer GST-registered

Handsets: 80,000.00
GST, customer accounting: 0.00
At the gate: 80,000.00
Available: 80,000.00

PASS

The gate follows the invoice. When the invoice charges no GST, the order value it checks carries none.

Try it in the credit gate

Platform

Built to run our own trades.

The platform behind every check.

We built our own platform to run each trade, from screening to cash. These are the rules it is built on.

Ledger

The ledger is insert-only.

Every step of a trade posts to a double-entry ledger. Entries are added and never edited. Each journal balances by construction.

JournalJNL-SPECIMEN

Account	Debit S$	Credit S$
Trade receivables	60,000.00
Sales		60,000.00
Totals	60,000.00	60,000.00

Posted for TRD-SPECIMEN. Customer accounting. No GST charged. Debits equal credits.

Replay

Every gate decision can be replayed.

The gate records each decision with its inputs and the parameter version it used. A reviewer sees exactly what the gate saw.

outcome PASS · order_value 65,400.00 · available 80,000.00
parameter_version specimen
inputs recorded 11

Parameters

Thresholds fail closed.

Our credit committee sets every threshold. Until one is set, the control it governs fails closed.

Stop threshold, days overdueNot setFails closed

Referral authorityNot setFails closed

Proposed by Approved by Must differ

VersionDraft

Approvals

The maker is never the checker.

Whoever prepares a change cannot approve it. The platform enforces the rule itself.

Prepared byuser-a

Approved byuser-a

REFUSEDMaker and checker must differ.

Prepared byuser-a

Approved byuser-b

ACCEPTED

Screening

A compliance hold shows only as a credit review.

KYB and sanctions screening run on every supplier and buyer. If screening places a hold, the buyer sees a neutral credit review. Our credit desk sees the hold.

Our credit desk seesRestricted hold

The buyer seesCredit review

Isolation

Each entity's data is kept apart.

Row-level security isolates every entity's data in the database itself.

entity Areads entity A rows

entity Breads entity B rows

Hosting

Hosted in the Singapore region.

Region: Singapore
Recovery point: Engineered for 1 hour
Recovery time: Engineered for 8 hours

Design targets for the platform.

Partners

For partners, by conversation.

We built the platform for our own trades. If it could be useful to you, tell us what you have in mind and we will talk it through.

Talk to us

Three ways in.

Talk to us.

We are launching in Singapore, starting with handsets and accessories. Write to us and tell us which of these fits.

Status: Launching
Market: Singapore
First category: Consumer electronics, handsets and accessories

Suppliers and distributors
Get paid upfront.

Sell to us under a signed supply agreement. We take title, pay you upfront and carry the buyer's terms.
Companies buying stock
Buy on 30, 60 or 90-day terms.

Order within a credit limit we set and review. Every invoice carries the correct Singapore GST.
Partners
Our platform, by conversation.

If the platform behind our checks would help your business, tell us how.

Every relationship is subject to verification, credit approval and signed terms.

Write to hello@supplychain.biz