The Trade Competition Commission has published a rule capping credit terms between large businesses (and large wholesalers/retailers) and SMEs: 30 days for farm produce and simply processed agricultural goods, 45 days for general trade, manufacturing and services. It takes effect 2 November 2026. Shorter terms already agreed still apply. Changing terms needs at least 60 days' notice and must be justified. Large buyers must state your payment rights and steps clearly. Before then, keep contracts, purchase orders, delivery proof, invoices and any change notices. Check when your payment clock starts: delivery with complete documents, or for consignment, when goods are sold.