Abstract: An apparatus for deciding credit, the apparatus comprising: a customer identification module adapted for generating customer identification data from salesperson input data; a customer financial data acquisition module adapted for transmitting the customer identification data to a financial data provider and receiving customer financial data from the financial data provider using a communications network; and a credit limit calculator adapted for calculating a credit limit from the customer financial data and from a reasoning model structure using Example Based Evidential Reasoning and for transmitting the credit limit to a credit provider using the communications network.