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POST
Create a credit facility
A credit facility is the credit line that enables a buyer to pay on deferred terms through your platform. Requesting one triggers Tilta’s automated underwriting engine, which evaluates the buyer’s creditworthiness using third-party credit bureau data alongside the business information stored in the buyer record. A buyer can hold only one active credit facility at a time. The underwriting result is returned synchronously where possible; a 202 response means the decision is still pending and arrives via webhook.

Webhook events

When underwriting cannot complete synchronously, Tilta delivers the result via webhook. Subscribe to the following events in your webhook configuration:
To request a credit facility, the buyer must have completed the Tilta onboarding flow. If they have not, create a buyer Onboarding Session first.
Each buyer can hold only one active credit facility at a time. Requesting a new facility for a buyer who already has one returns a 409 Conflict. To raise an existing limit, use Request Increase instead.

Authorizations

Authorization
string
header
required

Your Tilta API key, sent as Bearer <key>.

Headers

async_execution
enum<string>

Indicates if the operation should be performed asynchronously.

Available options:
true,
false

Path Parameters

external_id
string
required

Unique identifier of a buyer.

Maximum string length: 100
Pattern: ^[a-zA-Z0-9-_]+$

Body

application/json
requested_amount
integer | null

Requested amount. As minimum currency unit (e.g cents/pence).

Required range: x >= 1
is_existing_buyer
boolean | null

Indicates that the platform has at least two closed orders with this buyer.

requested_currency
enum<string>
Available options:
EUR,
GBP,
USD,
CHF,
PLN,
CZK,
RON,
BGN,
DKK,
HUF,
SEK,
NOK,
JPY,
AUD,
NZD,
CAD

Response

A credit facility has been successfully created for a buyer.

buyer_external_id
string
required

Unique identifier for buyer.

Maximum string length: 100
Pattern: ^[a-zA-Z0-9-_]+$
Example:

"5f6374a46a5e8e0104aa5cd4"

pending_orders_amount
integer
required

Blocked by pending deferred orders portion of the Credit Limit. As minimum currency unit (e.g cents/pence).

Example:

2500

risk_band
enum<string>
required
Available options:
REJECT,
A1,
A2,
B1,
B2,
C1,
C2,
D1,
D2
created_at
number
required

Timestamp indicating when the facility was created (unix time in seconds).

Example:

1582896122

updated_at
number
required

Timestamp indicating the last time the facility was updated (unix time in seconds).

Example:

1582896122

pending_actions
object[] | null
required

List of pending actions for the facility.

status
enum<string>
required

Status of the Active facility

Available options:
ACTIVE,
PENDING,
FROZEN,
EXPIRED
Example:

"ACTIVE"

reviewed_at
number | null
required

Review Date of the Active facility

currency
enum<string>
required

ISO 4217 three-letter currency code.

Available options:
EUR,
GBP,
USD,
CHF,
PLN,
CZK,
RON,
BGN,
DKK,
HUF,
SEK,
NOK,
JPY,
AUD,
NZD,
CAD
total_amount
integer
required

Total credit limit available to the Buyer. As minimum currency unit (e.g cents/pence).

Example:

10000

available_amount
integer
required

Available portion of the Credit Limit. As minimum currency unit (e.g cents/pence).

Example:

5200

used_amount
integer
required

Credit Limit portion currently in use (not repaid). As minimum currency unit (e.g cents/pence).

Example:

4800