> For the complete documentation index, see [llms.txt](https://docs.open-bank.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.open-bank.org/merchant-account/credit-line.md). # Credit Line Transparent, non-dilutive and collateral-free growth capital to merchant accounts is provisioned through a fixed credit limit on a yearly basis. The credit limit and drawdown rules are generally decided based on the Creditor's configuration set up in the Investor Portal by the funding partner. In 2025, the base credit limit for any approved merchant account is set up at 250,000 € worth of social credits. Businesses that hold an approved merchant account on the Open-Bank.org Trust Portal can use this credit for enhancing their business with working capital. Open-Bank.org Trust Portal can be used for bridging the supplier-buyer purchase contract, wherever any party has a tax residency, using the available credit line of social credits. Credit Line is a fixed feature of Association membership account. A Credit limit is approved based on your account's Trust score, calculated by the Foundation's AI based on your business sales data(historical) and qualitative data. An investor's credit underwriting team can use this Trust score as a reference to approve your disbursement. During the consent management workflow when you set up a merchant memo, please select the When you withdraw social credits from your credit line, you can choose the method of disbursal. Select type of Credit line Disbursement: 1. Drawdown where you withdraw the value of social credits into a payout or bank account of your business in local currency. 2. Payment of Supplier Memo: If your supplier also has an activated Open-BankID, the supplier can receive payments directly into their bank account. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://docs.open-bank.org/merchant-account/credit-line.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.