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Instant Payments. Better Cashflow Management. Smarter Retail.

iTEM helps retailers pay suppliers only for what is sold, improving cashflow, eliminating stock wastage, and unlocking deep sales insights for smarter business operations.

Core Values to Retailers

  • Pay-on-Sale Settlement

    Free up working capital by only paying for what customers actually buy. iTEM reduces the cash burden of holding unsold or slow-moving inventory.

  • Optimized Cashflow Management

    Avoid upfront bulk payments. With iTEM, your stock moves first - payments follow. This improves liquidity, helps cover operational costs, and keeps your shelves full.

  • No More Risky Stock

    Why pay in advance for products that may expire? iTEM lets you share the sales risk with suppliers - pay only when sales happen.

  • Live Sales & Inventory Dashboards

    See what’s moving, where and when - at a glance. iTEM gives you real-time data to manage restocking, avoid overstocking, and boost shelf efficiency.

  • AI-Driven Replenishment & Forecasting

    Automatically reorder top-selling items and receive alerts for items nearing expiry. Our AI recommends what to stock and when, based on location and past performance.

Made For:

Supermarkets, Chain Stores, Distributors, Mini-marts, and Retail Franchises that want to simplify inventory payments, improve cashflow management, and eliminate dead stock.