How to get credit from Flow?

Could you please elaborate on the process of obtaining credit from Flow? I'm particularly interested in understanding the prerequisites, steps involved, and any specific conditions or factors that might affect the credit allocation. Additionally, it would be helpful if you could provide insights on the benefits and potential risks associated with accessing credit from Flow. Lastly, are there any alternatives or competing platforms that offer similar credit facilities? I'm keen to get a comprehensive overview of the credit acquisition process with Flow.