Credit limit


Credit limit is a representation of the maximum amount of Loans you can get paid by Aria at a given time. You should request a Credit limit as soon as a buyer registers on your platform.

Every Credit Limit includes Debtor information, max amount and current oustanding amount (total amount being advanced by Aria for this debtor, not repaid yet).

Every loan that is not repaid will make this outstanding amount grow. Having a validated limit and a sufficient amount is a necessary step to get a Loan approved. If the outstanding amount exceeds the Credit Limit amount, a new Loan may be refused.

German debtors

If you work with German companies, you'll need to send their address while creating a Debtor, Credit limit, or Invoice.


When a Credit limit is requested, you can expect our decision to be returned instantly most of the time. If not, our teams will work on giving you an answer in the next 24 hours (working days).

We provide 5 status:

  • PROCESSING: The Credit Limit is created but we could not assign an amount automatically
  • ONGOING_REVISION: A revision of the available amount has been triggered by a new registered Credit Limit and we could not assign an amount automatically
  • ACCEPTED: We accepted your Credit Limit request
  • REVISED: We decided on a different amount than requested
  • REFUSED: We refused to give a positive amount for this debtor.


REFUSED Credit Limits always comes with refusal reasons: See the full list. We strongly recommend not integrating automatic workflows using reasons as they might change over time.

After registering a Credit Limit, you may expect two workflows:

  • Automated: The API returns a final status instantly (ACCEPTED, REVISED, REFUSED)
  • Manual: The API returns a PROCESSING or ONGOING_REVISION status that will be updated later by our team

You can test these use cases in our sandbox, and subscribe to webhooks to be informed when a status change.

Request a higher Credit limit

You can register a new Credit Limit for a given Debtor if you wish to get a higher amount for an ACCEPTED, REFUSED, or REVISED Credit Limit.

  • This will set its status to ONGOING_REVISION.
  • The initial ACCEPTED or REVISED Credit Limit will still work while we review the new request..

Handling multiple currencies for one Debtor

Our system allows you to create multiple Credit Limits for one Debtor, one per currency. It's important to note that we only give one financing envelope for one Debtor. The various Credit Limits you can create simply reflect the state of a single limit in different currencies.

  • The amounts on each Credit Limit represent the same financing envelop in different currencies.
  • The outstanding amounts on each Credit Limit represent the total of all Loans, regardless of the currency, converted into the currency of the CL.

Tests (sandbox)

If you want to test you Credit Limits integration, you can use our sandbox environment. You have to think and integrate these 2 use cases in your workflow:

  1. The Credit Limit is created with a final status (ACCEPTED / REVISED / REFUSED).
  2. The Credit Limit is created with a PROCESSING / ONGOING_REVISION status.

For this second use case, you will need to create a PROCESSING or ONGOING_REVISION Credit Limit, and change its status afterward in your sandbox dashboard.


You can also delete a Credit Limit on your sandbox dashboard if you want to make several tests.

To make the Credit limit feature work in sandbox, you will need to create some with this this dataset.

Identifier typeStatusIdentifierCompany Name (fixed value)Claimed amount
VAT NumberACCEPTEDGB000000000test_vat_acceptedAny amount
SIRENACCEPTED000000000test_siren_acceptedAny amount
VAT NumberREVISEDGB000000001test_vat_revisedAmount different from 5000 EUR
SIRENREVISED000000001test_siren_revisedAmount different from 5000 EUR
VAT NumberREFUSEDGB832832832test_vat_refusedAny amount
SIRENREFUSED832832832test_siren_refusedAny amount


Credit Limits webhooks are available!

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