# Check financing capacity

Confirm that a client can be funded before you request funding.

Product: PNSL API
Guides follow API reference 2.0.0 and event reference 1.0.0.
Canonical page: https://docs.axiym.io/pnsl-api/integration-guide/implementation-guides/check-credit-capacity

Check the client's credit account right before you fund a payment.

## 1. Confirm the client is active

`GET /clients/{clientId}` must return status `ACTIVE`.

## 2. Find the credit account

Call [`GET /clients/{clientId}/credit-accounts`](/pnsl-api/api-reference/2.0.0/credit-accounts/listCreditAccounts)
and pick the account whose `currency` and `paymentRails` match the payment.
Rail codes are listed by `GET /settings/payment-rails`.

## 3. Check the balance

The account must be `ACTIVE` and its `availableBalance` must cover the amount
you want to fund.

* `creditLimit` is the maximum for this account.
* `availableBalance` is what is left to fund now.
* `balance` is money received from the client and not yet used for
  repayment.

## 4. Fund the payment

The check does not reserve capacity, so
[fund the payment](/pnsl-api/integration-guide/implementation-guides/receivables-funding-and-repayments#step-1-request-funding)
right after it.