Working capital built into your payment platform.
DT Capital offers credit lines to Digital Treasury tenants based entirely on transaction history already on the ledger — no credit bureau pull, no personal guarantee, and a decision computed from real account activity, not a document intake process.
Three steps, all derived from your own ledger.
1. Build history
Run your business on Digital Treasury. Your eligibility accrues automatically — nothing to submit.
2. Get a decision
Once you qualify, a facility can be offered against the collateral DT already sees natively — a BOL, outstanding AR, retainage, or a deposit balance.
3. Draw and repay
A draw disburses from DT's own capital, and repays automatically as that collateral's cash lands — no separate invoicing.
How DT Capital compares.
| Capability | Bank line of credit | Merchant cash advance | DT Capital |
|---|---|---|---|
| Decision time | Weeks | Days | Instant — computed live |
| Personal guarantee | Usually required | Sometimes | No |
| Credit bureau pull | Yes, hard pull | Sometimes | No |
| Underwritten on | Financial statements | Bank deposits | Your DT transaction ledger |
| Prepayment penalty | Sometimes | Often | None |
A product for the collateral each vertical actually has.
Rack Purchase Advance · Fuelry
An advance against the value of a bill of lading — sized to collateral DT already sees on your ledger.
Payroll Bridge Line · CrewOps
An advance against your outstanding client AR — bridges the gap between paying your workers and collecting from clients.
Retainage Release Advance · DrawOps
An advance against retainage withheld as your project nears completion.
Security Deposit Line · Rentry
A line against the security deposits you already hold in trust.
The fee applies only to the drawn balance, for the days a draw is actually outstanding.
DT Capital, answered.
How do I qualify?
A track record of processing payments on Digital Treasury. Your eligibility is read live off your own ledger — there's no application to fill out to find out.
What data does DT Capital use to underwrite me?
Only your Digital Treasury transaction ledger — account age and payment count. No credit bureau pull, no financial statements, no personal guarantee.
What happens if I miss a payment?
A late repayment is flagged for your DT Capital account manager to reach out. Persistent lateness can pause further draws until it's resolved.
Is there a prepayment penalty?
No. The fee accrues only for the days a draw is actually outstanding, so repaying early simply stops the fee from accruing further.
Is this a loan or a line of credit?
A revolving line. You can draw against it more than once as your real collateral — a BOL, outstanding AR, retainage, a deposit — supports it.
Working capital that's already earned by your own volume.
If you're already a Digital Treasury tenant in Fuelry, CrewOps, DrawOps, or Rentry, ask about your DT Capital line from your own dashboard.
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