Order inventory today. Pay 60 days later.
A lot bought on terms is charged 60 days after you order. Time enough to sell the goods before you pay for them. No fee for paying with terms. No penalty for using your whole limit.
Applying needs a free Closo account.
How it works
Apply once. Order on terms. Pay when the goods have sold.
Apply in a few minutes
Tell us about the business: what it is, how long it has run, what you buy. No bank details, nothing to pay. A person reads it and replies in 3–5 business days.
Order against your limit
Approved buyers see terms at checkout. Anything beyond the limit is paid the ordinary way, and the limit can grow as you order and pay.
Pay in 60 days
The invoice is charged 60 days after you order. Pay earlier whenever you like. What you settle returns to your available limit straight away.
Sell the goods before you pay for them.
Terms exist so rent, payroll and the next truck are not competing with inventory. The lot is on your shelves. The invoice comes 60 days later.
A person reads it. No score to hide behind.
Closo carries the risk on a lot bought with terms. If an order is not paid, that is our loss, not the liquidator’s. So the first decision is made by a person reading what you tell us about the business.
We ask nothing about your bank at this step. If we need more to set a limit, we will ask you to link your operating account then, and only then.
You can buy without terms at any time. Terms are a way to order more than today’s cash allows, never a condition of buying here.
Apply for terms.
A few minutes, no bank details, and nothing to pay. Applying needs a free Closo account.
You may be wondering.
Why do you need my bank account?
Not to apply. The application asks nothing about your bank. If what you have told us is not enough to set a limit, we will ask you to link your operating account so we can see how the business actually runs. That is a separate step, asked plainly, and you can decline it and keep buying without terms.
How long does the decision take?
3–5 business days. A person reads every application, because we carry the risk on a lot bought with terms.
Can I still order once I have used the whole limit?
Yes. Anything beyond your available limit is paid the ordinary way, at checkout. Using your whole limit carries no penalty.
Can I pay before the 60 days are up?
Whenever you like. What you settle returns to your available limit straight away, so you can order against it again. Otherwise the invoice is charged at the end of the term.
Does using terms count against me here?
No. Pay your invoices on time and there is no penalty of any kind for using terms. That is what they are for.
What if I am declined?
You can apply again after 60 days, and nothing about buying without terms changes in the meantime. A decline is about what we can see today, and what we can see grows as you order here.
Order now. Pay in 60 days.
No fee for terms. No penalty for using your limit. Buying without terms stays exactly as it is.
