How to Use Credit Key

Introducing Credit Key: a B2B Credit platform.
0% for 30 Days; instant approvals.

Credit Key

What's Credit Key?

  • Credit Key delivers better business credit through a real-time proprietary B2B credit and payment option that can be used to make your payments online. 
  • We’ve partnered with Credit Key to offer easy monthly payments with no hidden fees. 
  • Credit Key will show up as an option during online check out 
  • Select Credit Key as your payment option and get a real-time decision regarding approval 
  • If approved, you will be able to select your payment terms and complete check out
  • Credit Key benefits 
    • Instant credit approval – only takes seconds 
    • Larger, better lines of credit – up to $50,000 
    • Simple and affordable monthly rates – 0-3% 
    • Ability to pay invoices using Credit Key
  • ** Subject to credit check and approval. All Credit Key loans are made by First Electronic Bank, a Utah Chartered Industrial Bank, member FDIC. 

Who qualifies?

Businesses with:

  • 600+ FICO
  • A valid, operating business
  • $40k+ gross annual revenue

How do I apply?

  • Go to this link and fill out the application form or simply select Credit Key as your payment during the online checkout process at royalcoffee.com. You can apply and get instant approval.

Troubleshooting

I can't log in to Credit Key

  • Confirm you are using the mobile number and email you used to apply for the line of credit 
    • When logged in, this information can be found in the “Profile” section at the top of your screen 
    • If you continue to encounter an error, please reach out to support@creditkey.com for assistance. 

I thought I was approved for a higher Credit Line

  • Credit Key pre-approves customers for a maximum credit line, which can end up being slightly lower once business revenue and other factors are evaluated 
  • If you’d like to request an exception, please reach out to support@creditkey.com for assistance. 

I signed up, but I can't use Credit Key

  • Your account might be in ‘Pending Status’ 
    • You should have received an on-screen message with directions to be moved out of the pending status. Instructions are also automatically sent via email 
    • This is often an ID verification issue that requires further documentation sent to support@creditkey.com 
    • Your purchase may exceed your available credit 
    • If you’d like to proceed, you’ll need to lower your order amount so that it is less than your available credit amount 
    • You may not be using the correct account credentials 
    • Confirm you are using the mobile number and email you used to apply for the line of credit 

How do I connect my bank account?

  • www.creditkey.com > Log In (upper right) > Payment Methods 
    • You’ll see fields to input your bank account details to verify your account 
    • After your bank account is connected, your payments will be pulled automatically from this account on a monthly basis

How can I see what I owe and make a payment?

  • creditkey.com > Log In (upper right) > Payment Schedule tab 
    • You can pay full amounts or partial payments. No early repayment fees. 

My credit limit isn't enough for my order. Can I increase it?

  • Credit Key can’t yet handle split orders, but a draft order can be created for an amount that’s under your trade credit limit, and the rest paid by another method 
  • Customers’ credit lines can be increased by improved FICO and successful repayment of at least 2 Credit Key loans over time