Credit Limits
Score-Based Credit Limits
Your credit limit is not based on your bank balance. It is based on your SKOOR score. Higher score, higher limit. Automatically.
How it works
Traditional corporate cards require $25K-$50K minimum deposits. SKOOR requires nothing. Instead, your account-level credit limit is calculated from your Business Health Score, which reflects your financial behavior across all SKOOR products. As your score improves through responsible spending, on-time payments, and clean compliance, your credit limit increases automatically. No applications, no manual reviews, no waiting.
Credit limit tiers
| Score Tier | Score Range | Daily Limit | Monthly Limit |
|---|---|---|---|
| Poor | 300-499 | $500 | $5,000 |
| Fair | 500-599 | $1,000 | $15,000 |
| Good | 600-699 | $2,500 | $40,000 |
| Very Good | 700-799 | $5,000 | $75,000 |
| Exceptional | 800-850 | $10,000 | $150,000 |
Auto-adjustment
Your credit limit is recalculated every time your SKOOR score changes. Score improvements from on-time payments, positive vendor feedback, and strong compliance posture can increase your limit within the same billing cycle. Score decreases from missed payments or policy violations reduce your limit accordingly. You receive a notification whenever your limit changes.
Building toward a higher tier
The fastest way to increase your credit limit is to improve your Business Health Score. Use SKOOR cards for regular business expenses, pay on time, keep vendor relationships clean, and maintain compliance. The SKOOR AI agent provides specific recommendations in your dashboard to help you move to the next tier. Most active businesses move up one tier within 90 days of consistent use.