To calculate your credit limit Two uses your business data from your latest financial accounts that you have submitted or your business bank account you might have given Two access to via Open Banking (UK buyers only). We also use other information about your business such as the number of years in operation to derive a personalised credit limit that should closely match the purchasing needs of your business.
If you are a newly incorporated business and you haven't filed financial accounts yet or provided us access to your business bank account via Open Banking, Two might provide you with a starting minimum limit. As you place orders and pay back your invoices in a timely manner, Two will keep increasing your starter limit in line with your purchasing and repayment behaviour until you file your first set of accounts