Home Credit: Sales with Delivery
Posted: Thu Jan 23, 2025 9:11 am
Working with home sales , that is, selling via delivery, is already a common practice for many stores that operate in the fashion, footwear and cosmetics sector.
But since the coronavirus crisis began , this strategy has been used by a much larger number of companies in Brazilian commerce.
The problem arises when it comes to making the payment method viable.
If the retailer already sells on its own credit, how can it approve the customer's credit and define the installments at the time of purchase?
Remember that the customer is at home, while your team of credit agents remains in the store or at your network's credit center .
This is the main challenge for those who are starting to work with credit and sell via delivery.
How to connect a sale, which is usually made via WhatsApp or Instagram, with the credit analysis operation in the physical store?
In this article I will show you how this can work in your business, safely ios database and 100% automatically.
Keep reading!
Know the client and do a preliminary analysis
One difficulty for store owners who sell at home is evaluating the quantity of merchandise they should leave at the customer's home.
What would you do, for example, if someone asked you to bring three t-shirts, two pairs of pants and a pair of sneakers to their house?
Adding it up, it would be around R$700 in products.
If she decides to keep the entire sample, how will the seller know if she will be able to pay?
Only if the store can assess your risk profile based on previously obtained registration information.
Therefore, anyone who works with home sales must always be concerned with registering the customer before closing the order.
You can use WhatsApp or Instagram private messages to request all the necessary information and carry out a preliminary credit analysis.
Then you will know the exact value of the merchandise that is worth taking as a sample.
In the following video I talk more about this issue and other strategies for you to get the best results from your credit plan without giving up selling through delivery.
Click play and check it out!
YouTube video
Use your cell phone to approve credit instantly
Imagine that, at this very moment, your salesperson is at the home of a person who has decided to stay with
R$ 350 in products.
But there is a catch:
She asked to pay in three installments on the installment plan.
Is it safe to authorize the seller to close the sale on credit without contacting the store's credit center?
If you have the right tool for it, it is safe!
If your store uses the Meu Crediário system , the salesperson can access our application via cell phone and analyze the customer in a matter of seconds.
Once the credit is approved, the system immediately sends an SMS to the customer informing them that the sale was successful.
It serves more or less as a virtual receipt for the buyer.
Furthermore, if it is necessary to return to the customer's home to receive the installment the following month, another SMS will be sent automatically with all the information about the payment.
Customer signature is essential
Having a document signed by the customer , confirming their commitment to the installment terms, is very important for those who want to sell via delivery.
But in this case, as the person is not inside the store to sign the booklet, my suggestion is that you work with a promissory note.
The salesperson goes to the customer's home, makes the sale and fills out a promissory note for the purchase amount.
When he returns to the store, he simply enters the sales value into the system and prints the receipt , stapling it together with the promissory note signed by the buyer.
This way, your store will have legal protection if you need to report the customer to credit protection agencies or protest the debt in court.
But since the coronavirus crisis began , this strategy has been used by a much larger number of companies in Brazilian commerce.
The problem arises when it comes to making the payment method viable.
If the retailer already sells on its own credit, how can it approve the customer's credit and define the installments at the time of purchase?
Remember that the customer is at home, while your team of credit agents remains in the store or at your network's credit center .
This is the main challenge for those who are starting to work with credit and sell via delivery.
How to connect a sale, which is usually made via WhatsApp or Instagram, with the credit analysis operation in the physical store?
In this article I will show you how this can work in your business, safely ios database and 100% automatically.
Keep reading!
Know the client and do a preliminary analysis
One difficulty for store owners who sell at home is evaluating the quantity of merchandise they should leave at the customer's home.
What would you do, for example, if someone asked you to bring three t-shirts, two pairs of pants and a pair of sneakers to their house?
Adding it up, it would be around R$700 in products.
If she decides to keep the entire sample, how will the seller know if she will be able to pay?
Only if the store can assess your risk profile based on previously obtained registration information.
Therefore, anyone who works with home sales must always be concerned with registering the customer before closing the order.
You can use WhatsApp or Instagram private messages to request all the necessary information and carry out a preliminary credit analysis.
Then you will know the exact value of the merchandise that is worth taking as a sample.
In the following video I talk more about this issue and other strategies for you to get the best results from your credit plan without giving up selling through delivery.
Click play and check it out!
YouTube video
Use your cell phone to approve credit instantly
Imagine that, at this very moment, your salesperson is at the home of a person who has decided to stay with
R$ 350 in products.
But there is a catch:
She asked to pay in three installments on the installment plan.
Is it safe to authorize the seller to close the sale on credit without contacting the store's credit center?
If you have the right tool for it, it is safe!
If your store uses the Meu Crediário system , the salesperson can access our application via cell phone and analyze the customer in a matter of seconds.
Once the credit is approved, the system immediately sends an SMS to the customer informing them that the sale was successful.
It serves more or less as a virtual receipt for the buyer.
Furthermore, if it is necessary to return to the customer's home to receive the installment the following month, another SMS will be sent automatically with all the information about the payment.
Customer signature is essential
Having a document signed by the customer , confirming their commitment to the installment terms, is very important for those who want to sell via delivery.
But in this case, as the person is not inside the store to sign the booklet, my suggestion is that you work with a promissory note.
The salesperson goes to the customer's home, makes the sale and fills out a promissory note for the purchase amount.
When he returns to the store, he simply enters the sales value into the system and prints the receipt , stapling it together with the promissory note signed by the buyer.
This way, your store will have legal protection if you need to report the customer to credit protection agencies or protest the debt in court.