How to Apply for a Credit Line

Last updated: December 2025

Monthly invoicing is a billing option that allows you to use a spending cap extended by TikTok to pay for your advertising costs. This is commonly referred to as a "Credit Line".


You can upgrade from automatic billing to monthly invoicing when you apply for a credit line in either Business Center or TikTok Ads Manager.

Before you begin

To be eligible for a credit line, you must meet the following conditions:

  • Maintain an active TikTok Ads account in good standing for a minimum of six months, including a positive payment history.

  • Ensure continuous activity and meet regional spending criteria.

  • Hold valid business certifications.

  • Have a finance manager or admin role to apply for the credit line in Business Center or TikTok Ads Manager.

Note: If you are qualified, you will see the Apply for a Monthly Invoicing pop-up window or an upgrade banner on your payment page. When you update your billing option to monthly invoicing, your account will also be upgraded to Payment Portfolio.


Next steps

Learn how to use credit line funds.