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How it works

One reusable business file for supplier purchasing terms, with your authorization at every application.

  1. 1

    Build your business file

    Six short steps: basics, what you buy, size, contacts, documents, and goals. Progress saves after every step.

  2. 2

    See your matches

    Review available supplier requirements, terms and vendor-reported policies, with an estimated fit band and stored reasons. Missing vendor information is identified as unavailable.

  3. 3

    Choose a service mode

    Choose Guide me or Apply for me (with approval). Both use the same Review & Authorize screen; nothing is sent automatically.

  4. 4

    Review and authorize

    You see every field and document before it is shared, then sign. Nothing is ever submitted silently.

  5. 5

    Track your vendor relationships

    After a vendor decision is recorded, track accounts, enter self-reported invoices and payments, and see source-labeled standing and rule-based milestones. Term Karma does not process payments or compute a credit score.

How is supplier trade credit different from a business loan?

Supplier trade credit lets a business buy goods or services and pay the supplier later under agreed invoice terms. A business loan supplies borrowed money under a separate lending agreement. Term Karma organizes supplier opportunities and applications; it does not lend money or decide credit eligibility.

Read how authorization and business data are protected or learn about vendor programs.