This study examines the credit market in seventeenth-century Stockholm, a rapidly growing city whose credit market is an early example of a market with both private and institutional actors. Using a sample of 1,500 probate inventories from 1679 to 1708, we focus on the practices and experiences of municipal and state servants, and we examine in detail the probate inventories of employees of the royal court. The latter group had their wages paid by the king in a world where being in arrears was the norm, and their spatial and social proximity to the Bank of the Estates made them potential pioneers in the movement towards an institutionalized and formalized capital market. The credit market has a mixed character, both in terms of the opportunities available to investors and in terms of their behavior. For people with a surplus of cash and good connections, money lending could be a way to increase their income. The court servants and many others moved seamlessly between institutional and private, as well as formal and informal, credit. The article shows that wage earners and state servants were central to the transformation of the early modern credit market. For them, the credit market and the bank offered investment opportunities that matched their skills and circumstances.