Useful Information       The answers to these questions are below
  1. Ideas on how to spend your ICRE credit dollars

  2. How to pay any remaining cash membership fees, future transaction fees or service fees without having to spend cash.

  3. Members Website Listings

  4. How to Determining your trade percentage

  5. How can I get more ICRE Credit Dollars?

  6. How can using ICRE credit dollars increase your net cash bottom line? 

  7. How to buy credits for 10-20-30 cents on the dollar?

Ideas on how to spend your ICRE credit dollars.

Make sure you are getting all the e-mails we send out. We can also send this information to your spouse, business

associates and employees. You can use credits to buy things from businesses who are not members of ICRE.   If the

seller is not interested in what you have to trade; you can offer to buy them what they want using your credit dollars.  

Example: I needed a mattress set and the business was not a member of ICRE. The mattress plant owner agreed to sell

       me the mattress set for gift certificates to one of our 20 restaurants.  You can also refer these businesses to our sales

       staff and we will try to sell them a membership.  You will receive up to 150 credits if theyJoin. 

You can buy credits from your company for as little as 50 cents on the dollar and use them to purchase personal items.  The difference is tax free to you!  Your company can show these credits as a sale of credits at a discount. This is a arms length transaction because you can also buy credits from ICRE at a discount. Why not do this in the future?

Come to a ICRE network meeting whenever possible and learn even more ways to spend your credits.   We have members at these meetings that will buy your credits for cash, dollar for dollar if you refer them a cash customer.

You can print out the products and services list Products & Services List from our website.  Fill this out and fax it to ICRE at 314-270- 4049.  Remember to put you name on the fax.   Then we will know what you need and help you get it.   You can do the same for your spouse or employees.  Why not sell your surplus credits to your employees at a cash discount; the savings is tax free to them and this is a great employee and spouse benefit.

Check out the ICRE Seminars, see the youtube links.  This will help you find out the many ways to use ICRE even better and you learn at your own pace.

You can use your surplus credits to buy advertising; This is a tax deductible expense and may help you get more cash customers.  These advertisers do not need to be members of the exchange.  You can also barter for anything in the exchange using your Credit Dollars.

You can use your credits to purchase and fix up real estate that can be sold for all cash.

Use your credits for customer promotion and employee incentives.

Does someone owe you money?   Collect the debt using barter or do you have surplus sports tickets?   We can sell this barter or surplus for part cash and part credits and use the cash to help pay your ICRE cash fees.  This applies to future fees.  You are welcome to keep any surplus cash.

Do you have customers who are slow pay or hard to collect from because of cash flow problems?  These customers could be going to your competition to avoid catching up their account with you.

When you are trying to close a sale, do you have prospects that tell you they are short on the cash required to make the purchase?  Do you lose more business than you care to lose to your competition?

I.C.R.E. is here to help you!

The answer is the same to all of the above.  Anytime cash flow or competition is a problem, agree to take some of your profit in barter. Try to get some gift certificates for the buyers products or services.  Example: If a restaurant or any other business owes you money or you are trying to sell them your products or services, try agreeing to take some gift certificates in $25, $50, or $100.00 increments. This will reduce the price objection and eliminate the competition.  Give the gift certificates to I.C.R.E. to sell. 
When I.C.R.E. sells these gift certificates for part cash part Credit Dollars we will apply the credits to your acct and use the cash to pay cash fees in advance.  This approach does not apply on past due accounts.

How to Determine your trade percentage

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Your trade percentage determines how much ICRE business you receive.  Members buy more often from other members when trade percentages are higher.  ICRE does not promote low trade percentages.

The way to determine your trade percentage is to understand that trade is accepted for your markup. Your costs of goods sold, sales tax and any other miscellaneous expenses that increase with trade business are collected in cash, check or credit card. You should not calculate costs that do not increase with a small amount of Credit Dollar business such as rent, salaries, lease payments, car payment, utilities, etc.

Keep in mind, since I.C.R.E. business is extra business, it will not hurt your cash flow as long as you cover your costs associated with it. It is against ICRE policy to try to profit in cash on ICRE business.

If you have less than 1,000 Credit Dollars in your account, you should be accepting 100% credits on services or labor.

Rule of Thumb:

Services 80-100% credits
Goods & Services 40-70% credits
Goods only 30-50% credits

1)  Cover your cost of goods or services sold.

2)  Take your last three sales and figure what your variable are.  Then, figure what that average profit percentage is.  This will determine your trade percentage.


1. PRINT SHOP -  A printing company sells $100 worth of printing to an ICRE member.  The cost of the paper, ink, etc to print on might run 30%.  Salaries, rent, utilities, phone, etc. do not increase this trade business so these costs should not be included in ICRE business.  The reason:  ICRE business is less than 10% of a company's gross.  Therefore, the printing company should accept 70% Trade.

2. PHOTOGRAPHER - A photographer might take picture for an ICRE member resulting in a $250.00 invoice.  The costs to be covered would be the actual cost of the paper the pictures are printed on and the film.   This cost might run 20%, giving a photographer a credit percentage of 80%.

3.  COMPUTER SALES - A computer dealer might sell a $600.00 computer to an ICRE member.  The actual cost for this dealer to buy this computer from the manufacturer might be as high as 80%.  This results in a lower profit margin.  Therefore this member might only accept 20% on new computers.  On the other hand, if providing a service such as networking or troubleshooting, they can accept as much as 100% Trade.

What makes these percentages change?

1)  How much business a member wants.

2)  How well a member spends their ICRE Credit Dollars.

  1. Trade at 100%, increase your trade percentage, or add more listings.
  2. Purchase Credits at a discount for cash; currently selling at 50 cents on the dollar.
  3. Sell your miscellaneous items, such as cars, houses, lake lots, jewelry, surplus sports tickets etc.
  4. Attend Networking Meetings; Member who attend do as much as 10 times more business than those who don't.
  5. Send out flyers or brochures in our monthly mailings.  Make sure you are getting e-mails from ICRE.
  6. You can use barter to help close non-member prospects and sell the barter thru ICRE. (You can also apply that cash to future ICRE fees).
  7. ICRE will pay up to $150.00 credits for referrals (see our website for a list of needed referrals)
  8. Does someone owe you money?   Collect the debt using barter.  We can sell this barter for part cash and part credits and use the cash to help pay your ICRE cash fees.  This applies to future fees.   You are welcome to keep any surplus cash.

How can using ICRE Credit Dollars increase your net cash bottom line? Back To Top

Imagine you have a stack of "green" dollars that represents  your revenue.   From that stack you have to pay all of your business expenses.   Now picture adding a stack of"gold"  ICRE Credit dollars on top of that stack.

The lights are already on in your office; the rent and the employees are getting paid.   Fixed overhead didn't go up, but your resources to pay for it did!

Pay for everything you can out of that stack of gold ICRE credit dollars that you didn't have before.   Then pay the rest with the green dollars.   The remaining stack of green dollars, (your profit) is taller than it ever has been.  You have new customers, the potential for new cash referral business, and you have new options that are availablew like never before!

The cash cost of using Credit Dollars on business expenses is referred to as Trading Fees.

Using Credit Dollars in transactions aren't difficult.   However, they are transactions that need a lot less cash.

How can using Credit Dollars affects your bottom line?
Let’s take a simple scenario to look at how using Credit Dollars can increase cash profits.  This doesn’t include benefits that come by increasing your overall sales volume, like increased volume discounts and economies of scale

  Without  ICRE
With 10% increase Using ICRE
Cash Sales 500,000 525,000
Credit Dollar Sales  
Total Sales 500,000 550,000
Cost of Goods (250,000) (275,000)
Gross Profit
250,000 275,000
FixedExpenses (Wages, Rent, Utilities) (125,000) (125,000)

Variable Expenses

(Advertising, Travel, Printing, Auto)

(100,000) (75,000 cash) + 25,000 Credit Dollars
ICRE Cash Fees - 12%
Total Expenses (225,000) (228,000)
Net Cash Profit 
$25,000 $47,000
Increased Purchasing Power $22,300 Net Cash


How to buy credits for 10-20-30 cents on the dollar? Back to Top

Example: Let's say you have a 50% variable cost.  You are doing 50% cash and 50% ICRE.  However you are not getting any business from ICRE clients.  You could run a special like 70% ICRE and 30% cash for a short time.  You manage to get 2,000 in new business.  You collect 600. cash and 1,400  credits.   You would have 28% cash tied up in 1,400 credit dollars. When you spend the 1,400 credits you will have saved $1,000 cash minus the ICRE fees. You could also use Concept 7 to leverage your Credit Dollars. (See ICRE Concepts 1 - 8 )

*Variable cost are the cost for materials and expences ditectly associated with a Specific Project such as cost of goods sold, sales tax, labor, etc.