4 KudoZ points awarded for this answer. Comment: "Hello Marian! Thank you for your contribution. I do enjoy seeing more and more different translators get involved in this discussions here. Both "commercial credit" and "mercantile credit" are possible. I realized that after posting this question. I'm also thankful to Douglas for his confirmation. I chose your answer since it was the one I ended up using for my translation. Too bad nobody commented on "goodwill", which is a different kind of "crédito mercantil", something to do with the reputation and value a company has before clients."