Lines of credit
Beyond one-time advances, you can issue revolving credit facilities and let merchants draw against an approved limit.
Facilities
A credit facility records the approved limit, terms, and status for a merchant. The available balance is the limit minus outstanding draws.
Draws
Each draw reduces the available balance and creates its own repayment activity, just like an advance. Merchants can see their limit, current balance, and draw history from the merchant portal.
Repayments
Repayments restore available credit as they post. Collections on a draw run through the same ACH and ledger machinery as any other deal, so reporting stays consistent across products.
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