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Your available credit limit shows how much you can finance with Treyd at any given time. This article explains how limits work, why they change, and what to do if your limit is reduced or paused.
What your credit limit means
Your credit limit is the total amount you can use to place orders.
- It’s not fixed and can change over time
- It’s reviewed on a regular basis (anywhere from 2-6 months)
- It’s based on multiple factors including your financial performance and our credit team’s decision-making process
You can always see your available limit directly in the platform.
How your credit limit is assessed
We use a combination of financial data to understand your business performance and risk profile.
This will include:
- Accounting data (P&L, balance sheet, revenue trends)
- Bank transaction data
- General business information
- History with Treyd (if relevant)
As a tech-driven company, we thrive on accurate, relevant data. If you connect both your accounting and banking you will get faster, more reliable, and less frequent credit renewals.
Why your credit limit can change
Your limit can increase, decrease, or be temporarily paused.
Common reasons include:
- Changes in financial performance
Revenue, margins, or cash flow shifts - New or updated financial data
Recently shared or missing information - Risk or compliance checks
Ongoing monitoring or required reviews - Overdue invoices
Unpaid or late repayments can impact your limit - External factors
Changes related to your company or market
How often your limit is updated
Your credit limit is reviewed on a recurring basis.
- In most cases, reviews happen regularly and automatically
- The exact timing can vary depending on your setup
- Reviews may also happen when:
- You submit new financial data
- There are changes in your business
- We need to reassess risk
Tip: Connecting your accounting or bank data helps keep updates seamless and less frequent.
Automatic vs manual updates
If you’re connected (recommended)
- Reviews can happen automatically
- Your data stays up to date
- Limit adjustments are typically faster and smoother
If you upload financial documents manually
- Reviews depend on when you upload documents
- Updates may take longer
- You might be asked for additional information
What to do if your credit limit is frozen or reduced
If your limit is temporarily inactive or lower than expected:
- Check for overdue invoices
Pay any outstanding amounts - Review recent updates
Look for messages about missing data or required actions - Share or update financial data
Upload documents or connect your systems - Complete any pending steps
(e.g. KYC, documents pending signatures, or expired connections) - Contact support if unclear
We can guide you on what’s needed
Tips to maintain or improve your limit
- Keep your financial data up to date
- Reach out to your Customer Success Manager proactively with any important business updates or changes
- Connect your accounting and bank account
- Repay invoices on time
- Maintain consistent business performance
Wrap-up
Your credit limit is dynamic and designed to reflect your business in real time. Keeping your data updated and staying on top of repayments helps ensure smooth reviews and stable access to funding.
