> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vence.one/llms.txt
> Use this file to discover all available pages before exploring further.

# Private credit

> Net-60 Card, Capital, Bill Pay Later, Pay Over Time, and Liquidity — decision-gated working capital. Invite / design-partner programs.

# Private credit

Vence Private Credit is dynamic access to time and capital — governed by the Trust Graph and Policy Engine, not a static score. Availability today: **invite / design-partner** programs.

## Products

| Product            | What it does                                                                                         |
| ------------------ | ---------------------------------------------------------------------------------------------------- |
| **Net-60 Card**    | 0% interest for 60 days on qualifying spend — or take the cashback / points path under program rules |
| **Capital**        | Working capital that grows with verified revenue and trust                                           |
| **Bill Pay Later** | Breathing room on eligible bills                                                                     |
| **Pay Over Time**  | Extended repayment on approved expenses                                                              |
| **Liquidity**      | Unlock liquidity against eligible assets under policy                                                |

## How decisions work

Every facility and authorization is:

* Explainable (reason codes)
* Versioned (policy + model)
* Monitored (material changes re-enter policy)

## Pricing

**Contact us** for facility terms. Rewards on card spend follow [Pricing](/overview/pricing).