Flexible financing options to fit your unique business' needs Flexible financing options to fit your unique business' needs

Financing Options to Fit Your Needs

With either Pay Over Time (30 days interest-free)* or Enterprise Net 30, we offer financing solutions to fit the needs of most businesses. Together with Credit Key, MyBinding is here to support your business' unique needs to get what you need now, and pay for it over time in a way that won't harm your bottom line.

How it Works

Step #1

Add items to your cart and click "Checkout" like normal.

Step #2

Choose "Credit Key" as your payment option, and click "Continue to Credit Key."

Step #3

Fill out the simple application and click "Continue" to receive a decision as quickly as instantly. If approved, your order will be placed.

Choose What Works for Your Business

Pay Over Time

Application and Approval Process

  • Apply online in less than 2 minutes
  • No hard credit checks (does not affect credit score)
  • Customers receive an instant decision for a line of credit up to $50,000 that is available to use immediately
  • Up to $1 million may be available with submission of Credit Increase Request Form

Eligable Businesses

  • 600 FICO
  • $40,000 annual business revenue
  • Registered US business

Customer Terms Options

  • Net 30 terms
  • No interest for 30 days*
  • Interest as low as 1% monthly thereafter*
  • Terms up to 12 months
  • No prepayment penalties

Enterprise Net 30

Application and Approval Process

  • Apply online in less than 2 minutes
  • Qualifying customers can be approved for up to $1 million
  • The Credit Key team manually reviews the application
  • Most decisions are made between 1-3 business days
  • Once an application is submitted, the Credit Key team will reach out to you directly for more information or to move forward

Eligible Organizations & Businesses

  • Schools
  • Hospitals
  • Churches
  • Non-profits
  • Companies doing over $5 million in annual revenue

How to Pay / Payment Term Options

  • Customers can add their bank details in their Credit Key portal for automated payments or pay by check.*

Benefits of Financing Your Order

Simple & Affordable Monthly Terms

All terms are presented upfront in easy to understand terms - no surprises.

Fast Approvals*

Quick decisions mean you get the equipment you need faster.

Larger, Better Lines of Credit

Businesses can qualify for lines of credit up to $1,000,000* & only pay for what you use.


  1. How do I apply?
    You may apply online here. Completing the application takes only about 2-5 minutes. For Pay As You Go, you will receive an instant decision. For Enterprise Net30, you will be contacted by a CreditKey representative with an approval response.
  2. Are there setup charges?
    No, Credit Key does not change any setup fees.
  3. Are there any hidden fees?
    No, there are no hidden fees. If you choose to go beyond 30 days, you can be approved as low as 1% interest per month.
  4. Will my application impact my FICO/credit score?
    Credit Key is a business account, however, we check personal credit as there is a personal guarantee on each order loan. Applying for Credit Key is a “soft inquiry.” This does not impact your FICO®/credit score.
  5. Why do I have to provide my Social Security Number?
    Credit Key requires applicant's Social Security Number to be compliant with the Patriot Act, but applying does not affect your personal credit score.
  6. Can more than one person (email address) place orders with the same Credit Key line of credit?
    The email address of the person placing orders needs to be consistent with the one that applied for the credit. If customer wants others to be able to place orders in future using the credit line, they have to sign in to CK portal and add additional users.
  7. How do I receive a bill?
    Invoices are emailed from Credit Key.
  8. When does the clock start on the first 30 days?
    The first 30 days of agreement begins when the order is shipped. This may vary case to case depending the potential partial shipments.
  9. How do I make a payment?
    You can make payments online by logging in to your Credit Key Borrower account at - https://borrower.creditkey.com/login [https://borrower.creditkey.com/login].
  10. Can I place more than one order?
    Yes, the Credit Key line of credit is available to use on future orders as long as the totals do not exceed the current open credit limit.
  11. Do you report back to any credit bureaus?
    Yes, Credit Key reports to Dun & Bradstreet. Orders and payments will be reported. With good payment history, this monthly reporting can help you build strong business credit. With poor payment history, your business' credit will be negatively impacted.
  12. How many repayments do I need to make?
    Payments may be approved to extend up to 12 months. Routine monthly payments will recure until the balance is paid off. You only pay for the credit you use.
  13. What will my monthly payment be?
    Monthly payments and interest rates vary by-applicant. You may use this calculator to get an estimate. Note this is not a guarantee.
  14. What can I buy with financing?
    You can buy anything online from MyBinding using Credit Key. You may buy a single or multiple items. There is no minimum purchase requirement.
  15. Can I increase my credit limit?
    Yes, you may qualify for a higher credit limit by providing additional documentation. You may inquire about this with the Credit Key team after your initial application is approved.
  16. Can I pay off my loan early?
    Yes. There is no pre-payment penalty. The balance can be paid in full at any time. If paid within the first 30 days, no interest is charged.

* Subject to credit approval. The terms are for a loan to finance a purchase. Terms and conditions may vary for each loan. Loans are made by First Electronic Bank, a Utah Chartered Bank, member FDIC. Approval decisions and timelines vary by applicant.