What is a Platform Credit Limit?
A Platform Credit Limit (PCL) is a trading capacity framework that controls how much you can have in outstanding invoices on the Exchange at any given time.
Think of it like a credit card limit. You can post loads and build up invoices up to your limit. As you settle those invoices, your available capacity is restored, in real time.
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Why are we introducing Platform Credit Limits? Platform Credit Limits (PCL) give you a clear, real-time view of your available trading capacity on the platform. PCL replaces a manual process, putting more control in your hands and making the platform more transparent and easier to use. |
Does this apply to my account?
Platform Credit Limits are being introduced in phases. If your account has been assigned a credit limit, you will be notified directly via email.
If you have not received any communication about a credit limit, this does not currently apply to your account. There is no action required from you at this stage.
Credit limits will be extended to all accounts over time. We will notify you in advance before any changes are made to your account.
How is my credit limit set?
Your credit limit is set based on your trading profile on the Exchange. It is part of a platform-wide framework applied consistently across accounts, it is not a reflection of any issue with your business or a judgement on your trading history.
As your relationship with the platform develops, your limit may be reviewed over time.
How do I view my credit limit?
Your available credit limit is visible when you log in to the platform via desktop. It is not currently displayed in the Fleet App or CX mobile app.
To view your limit:
• Log in to the Exchange via desktop
• Navigate to your account dashboard or SmartPay page
• Your current credit limit and available balance will be displayed there
How does a Platform Credit Limit work?
Your available limit adjusts automatically as invoices are raised and settled. You do not need to do anything manually to keep it up to date.
A few things to be aware of:
• 5% tolerance — you can post slightly over your remaining limit. For example, if you have £1,000 remaining, you can still post a job worth up to £1,050. This is applied automatically.
• Cancelled jobs — if a load is cancelled, this is automatically reflected in your available limit. No manual action is needed.
• Pre-existing invoices — your credit limit only applies to invoices created from the date your limit was activated. Invoices raised before that date are not counted.
What do I do if I reach my credit limit?
If you reach your credit limit, you will be unable to post further loads until your available balance is restored. There are two ways to resolve this:
Option 1 — Settle outstanding invoices
This is the fastest way to restore your capacity. As soon as an invoice is settled, your available limit updates in real time. There is no delay or waiting period.
Option 2 — Request a credit limit review
If you are unable to settle invoices right now and need to continue posting loads, you can request a review of your credit limit.
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How to request a credit limit review Submit your request directly from within the desktop version of the platform. From either the dashboard PCL banner, or the PCL banner in SmartPay, select the Support option, then select the Request Credit Limit Review option. |
Once submitted, our team will review your request. We aim to respond within 5 working days and will keep you updated throughout the process.
Quick reference
Use the table below to find the right next step for your situation.
| Your situation | What to do |
| You have hit your credit limit and cannot post loads | Pay any outstanding invoices. Your limit updates in real time — no waiting period. |
| You cannot pay outstanding invoices right now | Request a credit limit review directly from within the app or by raising a support ticket. |
| You want to know why you have been given a specific limit | Credit limits are applied as part of a platform-wide framework based on your trading profile. This is not specific to your account. |
| You cannot see your credit limit | Your credit limit is only visible on the desktop version of the platform. Log in via desktop to view it. |
| You want to speak to the finance team directly | All credit limit requests and queries must go through the app or a support ticket — not by calling the finance team directly. |
| You want to know how long a limit review takes | Our team aims to respond within 5 working days. We will keep you updated on the outcome. |
Frequently asked questions
Why have I been given this specific limit?
Credit limits are applied as part of a platform-wide framework based on your trading profile. The limit is not specific to your account and does not reflect any concern about your business. If you believe your limit does not reflect your trading activity, you can request a review through the app.
Can I see my credit limit in the Fleet App?
Not currently. Your credit limit is only visible when you log in via the desktop version of the platform. We are working to make this available in the Fleet App in future.
Does my credit limit apply to invoices I already had before it was activated?
No. Your credit limit only applies to new invoices raised from your activation date onwards. Any invoices created before that date are not counted against your limit.
What happens if I cancel a load?
Cancelled loads are automatically removed from your outstanding balance and your available limit is updated accordingly. You do not need to take any action.
Can I post a load that is slightly over my remaining limit?
Yes. A 5% tolerance is built into the system. If you have £500 remaining, you can still post a load worth up to £525. Anything beyond this will be blocked until your balance is restored.
How long does a credit limit review take?
Our team aims to review requests within 5 working days. We will contact you with the outcome. If your situation is urgent, please include details in your support ticket so we can prioritise accordingly.
Need help?
If you have a question that is not answered here, please raise a support ticket from within the platform and our team will be happy to help.
This article is intended as general guidance. For queries specific to your account, please contact our support team directly.