We offer credit accounts to support regular business clients with ongoing procurement needs. Credit facilities are granted at the sole discretion of CaterWise and may be revised or withdrawn at any time without prior notice.

Eligibility Criteria
To qualify for a CaterWise credit account, clients must meet the following conditions:

• Maintain a minimum annual spend of €2,400 (excluding VAT)
  (equivalent to €200 per month)
• Have a track record of a minimum of 9 (nine) consecutive months of purchases

This helps us ensure that credit is extended to clients with consistent and ongoing ordering needs.
CaterWise may, at its discretion, offer credit to clients who do not meet these criteria in full but demonstrate other indicators of reliability.

Initial credit limits are based on your average monthly spend over the qualifying period. This helps ensure continuity and protects against overextension. Credit limits are reviewed every three months and may be adjusted at our discretion.

Credit Terms
Payment Due Date: Payment for all goods is due in full within 30 calendar days of the invoice date. The specific due date will be clearly stated on each invoice for your reference.

Overdue Balances: CaterWise reserves the right to charge interest on overdue balances at the statutory rate permissible under the Late Payment in Commercial Transactions Regulation

Retention of Title: Goods remain the property of CaterWise until full payment is received

Risk Control
If an invoice is not paid by the due date, CaterWise reserves the right to immediately suspend or terminate the credit agreement without notice. Clients may not place further orders while any invoice remains unpaid.

Since all products remain the property of CaterWise until fully paid for, we reserve the right to request the return of any goods relating to unpaid invoices, in an unused and resellable condition.

The client will be liable for any costs incurred by CaterWise in the recovery of unpaid debts or the repossession of goods, including any legal fees or collection agency charges.

Once your balance approaches this limit, additional orders may require upfront payment until the balance is cleared.

Personal Guarantee: CaterWise reserves the right to require a personal guarantee from the company director(s), owner(s), or other responsible individual(s) as a condition of granting or continuing a credit account. This requirement may apply to, but is not limited to, new businesses, sole traders, or applicants without an established credit history. Any such requirement will be communicated during the application process.

How to Apply
To request a credit account, please email info@caterwise.ie with “Credit Account Request” in the subject line and provide the following information:

• Registered Business Name & Trading Name
• Company Registration Number (CRO) and/or VAT Number
• Business address, phone number, and accounts department contact details
• Names and proof of identity of Directors/Partners
• At least two trade references

We’ll review your purchasing history and respond with next steps if you meet the eligibility requirements.

By applying for a credit account, the applicant consents to CaterWise performing a credit check with a registered credit reference agency, both at the time of application and periodically thereafter.