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Credit Limits

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The Credit Limits API allows you to manage lending capacities within the Tupel platform. Credit limits define how much credit can be extended to each entity, along with terms such as interest rates and standard durations.

What is a Credit Limit?

In Tupel, a credit limit represents the maximum amount that can be lent to an entity in a specific currency. Each credit limit includes:

  • A total capacity amount
  • Real-time utilization tracking
  • Default interest rate
  • Standard loan duration
  • Currency specification

Credit Limit Utilization

As loans are created and utilized against a credit limit:

  • The outstanding amount increases with each new loan
  • The available balance decreases accordingly
  • When loans are repaid, the outstanding decreases and balance increases
  • The system prevents creating loans that would exceed the available balance

Multi-Currency Support

Each entity maintains a single credit limit in its home currency. When loans are taken in different currencies, the system automatically converts the loan amounts to the home currency in real-time. This ensures:

  • Unified Credit Management: A consistent credit limit across all currency transactions
  • Seamless Currency Conversion: Accurate tracking of outstanding amounts and limit balance
  • Simplified Financial Oversight: Eliminate manual currency conversion complexities

The conversion process dynamically applies current exchange rates when calculating loan utilization, providing a clear and accurate view of the entity's available credit across international transactions.

Available Endpoints

Endpoint Description
Retrieve a Credit Limit Get details about a specific credit limit
List All Credit Limits Get a paginated list of credit limits with filtering options

Risk Management

Credit limits are a key component of risk management in Tupel:

  • Each entity's creditworthiness determines their total capacity
  • Interest rates reflect the risk profile of each entity
  • Standard durations help control exposure time
  • Real-time utilization tracking prevents over-lending

Best Practices

  • Always check available credit before creating new loans
  • Monitor credit utilization regularly
  • Consider the entity's payment history when evaluating credit needs
  • Use entity-specific filtering to quickly find relevant credit limits
  • Store credit limit UIDs in your system for future reference
  • Entities - Organizations associated with credit limits
  • Loans - Financial products that utilize credit limits
  • Payments - Transactions that affect credit utilization

Common Use Cases

Checking Available Credit

Before creating a loan, check if sufficient credit is available for the entity:

# List the credit limit for an entity
curl -X GET "https://tupel.com/api/limits/?entity=7aB9c" \
  -u <YOUR_ORG_ID>:<YOUR_API_KEY>

Multi-Currency Lending

Manage credit facilities in different currencies:

# Check a specific credit limit
curl -X GET "https://tupel.com/api/limits/5rQ6s/" \
  -u <YOUR_ORG_ID>:<YOUR_API_KEY>

Credit Utilization Analysis

Monitor how much of the available credit has been utilized:

# Get all credit limits created in the last 30 days
curl -X GET "https://tupel.com/api/limits/?created_from=2023-03-01T00:00:00Z" \
  -u <YOUR_ORG_ID>:<YOUR_API_KEY>