Understanding Credit Limit Reviews and Adjustments
At Keep, your credit limit is not static — it's designed to reflect the current health of your business. Periodically, Keep may request updated financial information or initiate a review of your account. This article explains why that happens, what to expect, and what it means for your credit limit.
In This Article:
- What triggers a review
- What to expect during a review
- Possible outcomes
- If your limit is adjusted
- How to request a reassessment
Before you get started
Keep underwrites based on real-time business health — including revenue, repayment history, and credit standing. As your business evolves, your credit limit can too. Regular reviews are how we make sure your limit stays aligned with where you are today, and where you're headed.
What Triggers a Review
A review may be initiated when Keep identifies a significant change in one or more of the following:
- Payment history: Late or missed payments on your Keep account
- Account inactivity: Low utilization over an extended period
- Outdated financial data: Your last underwriting was completed more than 6 months ago
You may also hear from us as part of a periodic review we run across our customer base. This is routine and doesn't indicate anything is wrong.
What to Expect During a Review
If Keep initiates a review, you'll be notified by email and/or through your Keep dashboard. You may be asked to:
- Reconnect your bank account via Flinks (recommended — fastest option)
- Upload 6 months of recent bank statements in PDF format
Providing updated information promptly helps ensure the review is completed quickly and gives Keep the most accurate picture of your business.
Possible Outcomes
Once a review is complete, one of the following decisions will be communicated to you:
| Outcome | What it means |
|---|---|
| No change | Your current limit stays as-is |
| Limit increase | Great news — your limit has been raised based on your financial performance |
| Limit adjustment | Your limit has been recalibrated to better match your current business activity |
In all cases, you'll receive a communication from your account manager or the Keep team explaining the decision.
If Your Limit Is Adjusted
Any adjustment reflects a point-in-time snapshot of your business — it's not a permanent verdict. As your business grows and your financial picture strengthens, your limit can grow too.
A few things that help:
- Keeping up with on-time payments
- Using your Keep card and other Keep products regularly
- Staying connected with your account manager — they can tell you exactly what would support a reassessment
How to Request a Reassessment
If your financial situation has improved since your last review, you can request a new assessment at any time:
- Go to Settings → Credit limit in your Keep dashboard
- Select Request review
- Connect your bank account or upload updated statements
For more on the credit increase process, see How Can I Increase My Credit Limit?
Need More Spending Power Right Now?
If you'd like to increase your limit immediately without waiting for a new review, you can top up your credit limit by adding collateral to your account.
Here's how it works:
- You deposit funds as collateral, and your credit limit increases by the same amount
- No new credit review required
- You continue using your Keep card as normal and keep earning rewards on every dollar you spend
- Your collateral is held securely and returned when you no longer need the secured limit
This is a good option if you need uninterrupted access to credit while your business is working toward a higher unsecured limit.
For full details on how to add collateral, see this article
Need more help? Reach out to your account manager or contact our support team at support@trykeep.com.