Bexsa Mutual Credit System?
South African entrepreneurs work hard, but many struggle because cash is short. The Bexsa Mutual Credit System helps your business keep trading even when you don’t have money available.
It’s simple, fair, and designed for small businesses.
What is a Mutual Credit System
The Mutual Credit System is a cashless trading system where businesses buy and sell using Bexsa Credits instead of cash.
When you sell, you earn credits.
When you buy, you use credits.
There is:
✔ No interest
✔ No transaction charges
✔ Only one small monthly fee
✔ You only start paying the monthly fee after your first transaction
Why Does Bexsa Use This System?
Many small businesses face the same issues:
Customers don’t pay on time
Not enough cash to buy stock
Banks reject loan applications
Loan interest is too expensive
The Bexsa system keeps your business moving, even when cash is tight.
How it works.
1. Join Bexsa
Your business appears in the Bexsa directory and marketplace.
2. Get a small credit limit (overdraft)
This is trade credit, not cash.
You can use it to buy from other Bexsa members.
Example:
If your limit is R1,000, you can spend up to R1,000 in Bexsa Credits.
3. Earn credits by selling
Whenever another member buys from your business:
Your balance increases
You earn credits to spend later
4. Spend credits by buying
When you buy from another member:
Your balance decreases
You use the credits you earned
5. Monthly fee (only after your first trade)
You won’t pay anything until you complete your first Bexsa transaction.
After that:
You pay one monthly fee
No interest
No extra transaction charges
This fee keeps the system running and supports customer service, platform upgrades, and advertising.
6. Stay positive at least once a year
Your balance must be positive at least once yearly.
This keeps the system healthy and fair.
Benefits for Small & Informal Businesses
Trade even without cash
Gain new customers from the Bexsa network
Pay no interest and no transaction fees
Only one simple monthly fee
Easy-to-use system (Cyclos)
Keeps money inside local communities
Inspired by Sardex in Italy
Bexsa uses the same model that made Sardex.net successful, where businesses trade billions without using cash.
This system is proven, safe, and designed to help small businesses survive and grow.
Our Goal
To help South African entrepreneurs:
Trade more
Grow faster
Support each other
Build strong community economies
When businesses work together, everyone wins.
