hovvr Credit
Inventory credit for small businesses
Instant credit · Delivery & logistics · Flexible plans

Buy inventory today. Pay up to 3 months interest-free.

Fast onboarding for retailers and small businesses, instant decisioning at point of purchase, flexible repayment plans, and door-to-door delivery.

Instant onboarding
Up to 3 months interest-free
Flexible plans
We handle delivery
How it works
1–3 min
Average onboarding time

1. Instant onboarding

Sign up in-store or online with ID, get an approved credit limit in minutes.

2. Flexible payment

Choose a payment plan. Up to 3 months interest-free, longer tenures available.

3. Delivery & logistics

We coordinate supplier fulfillment, warehousing, and last-mile delivery.

Plans built for retailers

Simple pricing, transparent terms, tools to manage repayments and invoices.

Interest-free window — Up to 3 months on select plans.
Flexible term options — Custom tenures to fit seasonality.
Single invoice management — Consolidated statements and early-pay discounts.

Why retailers choose us

  • Faster stock turns and improved availability
  • Embedded logistics — one supplier experience
  • Simple reconciliation and merchant dashboard