> For the complete documentation index, see [llms.txt](https://g-intel.gitbook.io/g-intel-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://g-intel.gitbook.io/g-intel-docs/fintech-products-and-solutions/credit-facility-model.md).

# Credit Facility Model

Phase 2 of the roadmap: a proposed broker-backed credit model for qualified users.

## Phase 2 — Enhancing Capital Efficiency

GINTEL's project overview describes a proposed **broker-backed credit facility** designed for eligible subscription customers.

### Proposed 1:1 model

Qualified subscribers may be eligible for a credit line equal to the qualifying deposit balance in the relevant broker account.

For example, the **1:1 ratio** described in the presentation would correspond to a credit line matching a qualifying deposit, subject to broker terms and approval.

The credit allocation is described as usable for **self-directed trading**, potentially allowing more efficient use of deposited capital.

### Intended value

**Clients:** Greater flexibility in discretionary trading capital.

**Brokers:** Potential growth in qualifying customers, balances and activity.

**GINTEL:** Deeper engagement within the broader financial-technology ecosystem.

## Availability and risk

This is a **roadmap-stage proposal**, not a representation that credit is currently available. Eligibility, lending conditions, interest, margin rules, jurisdictional requirements and borrower obligations must be established by the relevant provider.

Credit and leverage can magnify losses and may result in additional repayment obligations.