Documentation Index
Fetch the complete documentation index at: https://docs.monaris.co/llms.txt
Use this file to discover all available pages before exploring further.
This page is a quick reference for all credit and BNPL product eligibility across Monaris Score tiers.
Credit eligibility by tier
| Score Tier | Score | Max Credit | APR Range | Origination Fee |
|---|
| Not eligible | 0–510 | — | — | — |
| Established | 510–850 | Up to $5,000 | 10–14% | 2% |
| Trusted | 850–1000 | Up to $50,000 | 6–10% | 1.5% |
| Verified+ | Invite only | Up to $250,000 | 5–8% | 1% |
Minimum requirements for any credit product
- Monaris Score 700+
- 90 days of verified cashflow history
- $5,000+ in verified transaction volume
- Active invoice activity (not dormant accounts)
BNPL Pay Later eligibility
| Score | Maximum approval |
|---|
| 510–699 | Up to $2,000 |
| 700–849 | Up to $5,000 |
| 850+ | Up to $50,000 |
Invoice Advance eligibility
- Monaris Score 700+ required
- Invoice must be from a verified client with positive payment history
- Client reliability is checked automatically
- Advance up to 90% of invoice value
- Fee: 2–3% of invoice value
B2B Pay Later eligibility
- Team Score required (Monaris Business account)
- Available with Net 30, Net 60, Net 90, or 3–12 month installment terms
- Vendor receives 100% immediately
Default management process
| Stage | Days Late | What Happens |
|---|
| Grace | 1–30 | Reminders only. No penalty. Score unaffected. |
| Late | 31–60 | 2.5% late fee. Score declines. Restructuring offered. |
| At Risk | 61–90 | Account flagged. New credit frozen. Recovery plan. |
| Default | 90+ | Account reviewed. Score reflects history permanently. |
Important rules
Credit is never surfaced before eligibility. No credit offers, no pre-approval views, no APR ranges are shown to users who do not meet the minimum requirements. This is enforced at the system level.
Score before credit. Always. Credit products are the last layer of the Monaris stack, not the first.
Monaris Credit and BNPL products are subject to eligibility requirements including minimum Monaris Score, verified cashflow history, and transaction volume thresholds. Credit products involve risk. This documentation is informational only and does not constitute financial or legal advice. Product availability varies by jurisdiction.