Based on the 2025 Franchise Disclosure Document, the C12 Group's policy regarding granting credit to its customers is not explicitly detailed within the provided excerpts. However, the document does mention aspects of revenue recognition and financial instruments that offer some insight. Specifically, the FDD notes that franchise agreements require franchisees to pay various fees, including initial territory fees, marketing deposits, training and support fees, continuing fees based on a percentage of monthly member billings (ranging from 12% to 30%), and new member registration fees. These fees form the basis of the C12 Group's revenue.

The FDD also addresses the concentration of credit risk related to the company's cash balances held at banks, particularly concerning amounts exceeding the FDIC insurance limit. While this highlights the company's management of its own financial risks, it does not directly discuss credit policies extended to C12 Group members or customers. The absence of a specific credit policy for customers suggests that C12 Group may not typically extend credit to its members or that such arrangements are handled on a case-by-case basis outside the standard franchise agreement.

For a prospective franchisee, understanding the credit policies is crucial. Since the FDD excerpts do not provide this information, it is recommended that potential franchisees directly inquire with the franchisor about whether C12 Group extends credit to its members, what the terms of such credit are, and how these credit arrangements might impact the franchisee's revenue and financial management. This information is essential for assessing the financial dynamics of operating a C12 Group franchise and managing relationships with group members.