This purpose of this type of transaction is sometimes called a “credit offer” and, after the provision of goods or services, the party who received the receipt owes a commercial debt to the other party. This debt is repayable in accordance with the terms of payment of the contract. Another way to protect yourself is to include a property reserve clause in the credit purchase agreement. This clause, also known as the “Romalpa” clause, allows the buyer to own the goods, but only acquires the seller`s property when the final purchase price is paid. A contract to purchase credit is a contract for the sale of property under which the buyer pays in increments and becomes the owner of the goods, either at the conclusion of the contract or at the conclusion of a contract, according to the terms of the individual contract. These types of transactions present some risk because a buyer may not be able to repay their debts when it becomes due and payable. To protect against this, a seller may require a customer to offer a warranty. B security, such as a director`s guarantee in a company.