> 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. 


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