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.
Apply via the Credit Key Marketplace or directly through a merchant partner to get started.
Looking for a better way to pay? Apply in minutes and receive an instant decision for:
UP TO
$50K
INSTANT CREDIT LINE
(Higher limits available*)
NET
30
Terms
(0% interest for 30 days)
Pay In
4
Installments
(Interest-Free)
Up to
24
Month Terms
(Fees starting at 1%/mo)
* 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.
Enjoy flexible payment options in all of the channels you buy in—including online, over the phone, and in-store. You can apply within the Credit Key Marketplace, the mobile app, or directly through a merchant partner to get started.
Download the app
Increase cash flow
Get the products and services your business requires without putting a strain on your budget.
Simplify procurement
Say goodbye to lengthy approval processes and paperwork. Our streamlined B2B Net Terms and Pay Over Time solution offers a hassle-free experience.
Enhance productivity
Empower your team to make essential purchases quickly, enabling seamless operations and business growth.
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
Create an account, easily access your preferred merchants, and discover new vendors in the Credit Key Marketplace
Explore the Marketplace
Easily access your preferred merchants and discover new ones in the Credit Key Marketplace
Explore the MarketplaceSee how much you can spend, choose payment plans, and seamlessly make purchases via the Credit Key app
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 24 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 Net 30, 4 interest-free payments every 2 weeks, or extended terms up to 24 months to keep your business running smoothly — no matter what comes your way.
How Credit Key works
Fill out the quick, easy application
Apply now in the Credit Key Marketplace or while you’re checking out at a merchant partner. Applying won’t impact your credit.
Receive an instant decision
View payment options and choose your payment terms from Net 30, 4 interest-free payments every 2 weeks, or extended terms up to 24 months.
Enjoy flexible payments at all the vendors your business relies on
No matter where you apply, you can leverage your line of credit and flexible repayment plans across all Credit Key merchant partners as well as non-integrated merchants by using your Credit Key Card. Log in to your borrower portal at anytime to view purchase history and upcoming payments.
Don't see Credit Key available where you're shopping?
With the Credit Key Card, you can pay over time even with merchants who don’t yet offer Credit Key as a payment option.
Use your Credit Key line of credit for eligible purchases wherever — and for whatever — your business needs.
- Tap into your line of credit anywhere Mastercard is accepted
- Whether you’re purchasing online or in person, the Credit Key Card works the way you do—with both a virtual version for your digital wallet and a physical card you can swipe, tap, or insert at checkout
- No additional fees or setup costs
