Introducing Enterprise Net Terms from Credit Key!  Net 30 now available for all business segments—from sole proprietors to enterprise brands. Learn more ➔
Introducing Enterprise Net Terms from Credit Key! Learn more ➔

Buy what your business needs now, pay for it later

Existing payment choices are highly complex with a lack of accessible, flexible options to manage cash flow. Get an instant decision* for a line of credit up to $50K and pay it back on your terms with Credit Key. No hidden fees. No hard credit checks.

Business owner using tablet to purchase with Credit Key

Looking for a better way to pay? Apply in minutes and receive an instant decision for:






(0% FOR 30 DAYS)







Credit Lines can exceed $50,000 with additional documentation. Interest-free payment periods can increase beyond 30 days during promotional periods. Subject to credit approval.

We partner with select merchants to bring you flexible payment options in all of the channels you buy in—including online, over the phone, and in-store. Apply with one of our merchant partners to get started.

At the beginning of the season, when cash is obviously tight, it allowed me to make the purchases I needed and spread those payments out over a few months, rather than putting them on expensive credit cards. And, throughout the season, it has given me peace of mind knowing that a sudden large purchase wouldn’t mess with my immediate cash flow. Best of all, I was pleasantly surprised by your financing rates.

Chip Adkins, Co-Owner of Piper’s Cafe LLC

Thousands of businesses love using Credit Key. Here's why:

Easier access to the funds you need to support your business

Instant credit decisions with high approval rates

Competitive interest rates and flexible terms up to 12 months

Dedicated support team available via phone, web chat, and email

Flexible financing on your terms

If you’re like most businesses, your cash flow goes through ups and downs. Credit Key empowers you to navigate seasonal shifts while investing in what you need to grow.

Repay credit lines on timelines that work for you, and have cash on hand when you need it. Choose terms from Net 30 up to 12 months, and keep your business running smoothly — no matter what comes your way.

Credit Key borrower portal showing order dashboard and application screens

How Credit Key works

Fill out the quick, easy application

You can find us at check-out online or in-person offered through our hundreds of merchant partners. Applying won’t impact your credit.

Receive an instant decision

View payment options and choose your payment terms from Net 30 up to 12 months.

Enjoy your purchase

Log into your borrower portal anytime to view purchase history and upcoming payments.

Don't see Credit Key available where you're shopping?

With our Virtual Card and Credit Key Anywhere options, you can pay over time even with merchants who don’t yet offer Credit Key as a payment option.

You can use your Credit Key line of credit for eligible purchases wherever — and for whatever — your business needs.

How it works

Virtual Card
Eligible borrowers can request Virtual Cards in their borrower portal. Simply enter the merchant’s name and the order amount and we’ll send you a virtual card with the funds you need to pay for your order.

Credit Key Anywhere
Submit your unpaid invoice and we'll connect with the vendor to pay it for you using your existing line of credit.