• Fast, easy, and fully digital application - takes less than 2 minutes to complete.
• Customers receive an instant decision for a line of credit up to $50K available immediately. Following initial approval, we can extend up to $1 million if the customer submits a Credit Increase Request Form.
• We never conduct hard credit checks which means applying will not impact the customer's credit

• 600 FICO score.
• $40k annual business revenue.
• Registered US business.
• Ownership information.

• Once a customer is approved, orders can be placed immediately.
• The merchant can process orders on behalf of the customer via the Credit Key portal or the customer can process orders themselves on the merchant's website by signing in through the integration at checkout.

• Net 30 terms with no interest for 30 days.
• Terms up to 12 months with interest as low as 1% monthly after 30 day interest-free period.
• No prepayment penalties

Customers add their bank details into their Credit Key account where Credit Key processes payments based on their selected payment terms.

After the order is placed, Credit Key handles all risk, payment management, and communication with the customer - from informing them of their payment due date to collecting payment.

Once the order is marked as "shipped" in the Credit Key dashboard, Credit Key will ACH the funds to your account within 48 hours.