Credit line
Approved once.
Drawn on for
as long as it stays open.
A facility your customer activates once and then draws against — behind a card you operate, as cash when they need it, or as the funding line under your own spend product. One underwriting decision, then a relationship instead of a transaction.
Available to draw
$39,500of $60,000
Why a line
Same engine, same data. A different shape of access.
Capital and a credit line run on the same continuous underwriting, off the same platform data you already share. Which one fits comes down to whether the need is a moment or a habit.
A customer is on one product at a time.
You pick which one a customer gets when you create them, and the same embed renders whichever it is. Platforms whose customers face recurring, variable needs tend to land on a line; the rest do better with capital sized to the moment.
What they see
A balance in your product, not a form on ours
Your customer opens your product and their line is simply there — what is left, what is in use, and one button. Your brand throughout; our name nowhere in it.
Available to draw
$39,500of $60,000
Recent activity
Approved once
The application happened at activation. Drawing needs no decision, no form and no signature.
Availability is live
The bar moves as principal repays. Fees never gate what they can take.
One component
A single embed resolves the state and renders it — offer, activation, review, active or paused.
Three shapes
One facility, shaped to how your customers spend
Same underwriting, same activation, same embed. What changes is who spends, who gets funded, and how the money comes back.
Revolving
Behind a card you operate
Your customer spends on your card. Slate groups the activity into 7-day periods, issues a statement, and manages the line through it.
Draws
Cash when they need it
Approved once for a limit, then they take what they need. Each draw runs on its own schedule and several can run at the same time.
Transaction feed
Under your own spend product
You operate the card and report the transactions. At period close Slate funds you the net — the customer repays you inside a free window.
The rules that bite
The mechanics worth knowing before you build
A line is a living balance, not a one-off advance. These four behaviours are the ones that decide whether your integration is correct.
Seven days, then three
Revolving lines bill in 7-day periods anchored to the date you activate, followed by a 3-day grace window to cover the minimum.
Statements never change
A statement is an immutable snapshot. Payments that land afterwards appear on the next period, so your reconciliation never moves under you.
Suspension is automatic
Miss the minimum and the line suspends itself. Pay it and it reinstates itself. You call no endpoint for either — you listen and block or re-enable the card.
Principal consumes the limit
A $5,000 draw at a 1.2 factor rate is $6,000 to repay but uses $5,000 of the facility. Availability recovers as principal comes back, never gated by fees.
In your product
One component, every state of the line
<slate-credit-line-banner> resolves the customer's state on its own and renders the right thing. Mount it once on a page every customer sees — it takes no space when there is nothing to show, and it never renders another product's copy.
Pre-approved
Activate your credit line
Activate
Activation in progress
Finish activating your credit line
Resume
Under review
We’re reviewing your application
—
Active
Available amount, and how much of the limit is in use
Draw funds
Paused
The line’s limit and balance
—
Nothing to show
Renders nothing, takes no space
—
Brand colours come from your Slate branding configuration. Set disable-dialogs and the component emits ctaClicked instead of opening Slate's dialog, so you can route the customer yourself.
Developers
Keep the feed accurate. Slate does the billing.
You never close a period, generate a statement, suspend a line or reinstate one. You report what happened and react to what Slate decides.
/customersRegister the customer with your own externalId and productType: "credit_line"./attach-financial-dataSend the history your platform already holds. Slate underwrites from it./v2/pre-approvalsRead the offer Slate issued, then present it./applications/{id}/credit-lineActivate the line: facility limit, currency, and the anchor date every period derives from./credit-lines/{id}/transactionsPush purchases, payments and rebates — singly or via /transactions/batch./credit-lines/{id}/statementPull the immutable statement once a period closes.Webhooks you listen to
credit-line.createdcredit-line.approvedcredit-line.drawcredit-line.statement-readycredit-line.suspendedcredit-line.reinstatedAll amounts are integer cents, all dates are YYYY-MM-DD, and every request carries your private key in the x-api-key header. Suspension and reinstatement arrive as webhooks — block and re-enable the card on those.
Give them a limit, not a loan.
Tell us how your customers spend and we'll tell you which of the three shapes fits,
and what the programme is worth on your platform.