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Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Lender profile

Credibly

Direct funder Checked Sep 10, 2026
Credibly offers working capital loans and merchant cash advances, and lists lines of credit, equipment financing, long-term loans and SBA loans as available through partners. Published amounts run from $5,000 to $10 million, with minimums of a 550 credit score, 6 months in business and $20,000 in monthly revenue. It says funding can arrive as fast as 4 hours after approval.
Visit credibly.com Compare with similar funders
Heads up. It publishes a starting factor rate of 1.11 and a 2.5% underwriting fee on direct deals, which most funders we track do not. Its pages disagree on entry criteria: $5,000 or $25,000 as the minimum amount, 500 or 550 as the credit score and $15,000 or $20,000 in monthly revenue.

The open book

What Credibly publishes, and what it doesn't

8 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$5K–$10M
Minimum credit score
550+
Minimum time in business
6 months
Minimum monthly revenue
$20,000
Speed, in its words
As fast as 4 hours after approval

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Price (rate or factor)
  • Fees
  • Term length
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Credibly's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price published
Amounts
$5K–$300K
Price
Rate 3%–5% (per month)
Term
3–24 months
Repayment
Variable
Minimums
Credit 700+ · Time in business 6 months · Revenue $20K/mo
Speed
As fast as 4 hours
Fees
No draw fee or origination fee amount is published for the line of credit; the page only notes generically that a provider may charge 'a fee for each draw'.
Personal guarantee
Required
Sources (1)
Price not published
Amounts
$10K–$10M
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business 1 year · Revenue n/p
Fees
The FAQ notes origination fees on partner products are 'deducted from proceeds'; no amount is published.
Collateral
Required
Sources (1)
  • "Credit lines up to $300,000, long-term loans from $50,000 to $10 million, and equipment financing from $10,000 to $10 million."
    credibly.com/resources/faq · checked 2026-09-10

Merchant cash advance

How merchant cash advance works
Price published
Amounts
$5K–$600K
Price
Factor from 1.11
Term
3–24 months
Repayment
Variable
Minimums
Credit 550+ · Time in business 6 months · Revenue $20K/mo
Speed
as fast as 4 hours after approval
Fees
"For direct funding through Credibly, a 2.5% underwriting fee is paid through the first several remittances." and "Merchant cash advances also incur a $50 monthly administration fee."
Collateral
Not required
Sources (1)
Price not published
Amounts
Not published
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Collateral
Required
Sources (1)
Price not published
Amounts
$50K–$10M
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business 2 years · Revenue n/p
Fees
The FAQ notes origination fees on partner products are 'deducted from proceeds'; no amount is published.
Collateral
Required
Sources (1)
Price published
Amounts
Up to $600K
Price
Factor from 1.11
Term
6–24 months
Repayment
Variable
Minimums
Credit n/p · Time in business 6 months · Revenue n/p
Speed
as fast as 4 hours
Fees
"At Credibly, most deals have a 2.5% origination fee, but it depends on the product." The FAQ words the same charge as "a 2.5% underwriting fee is paid through the first several remittances."
Sources (1)

Similar funders

Funders offering the same products

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

Fora Financial

Direct funder
$5K–$1.5M570+ creditPrice published

ROK Financial

Broker
$10K–$5M500+ creditNo price

Birkin Capital

Not stated
Up to $2MCredit n/pNo price

BriteCap Financial

Direct funder
$5K–$5M550+ creditNo price

Head-to-heads

Credibly vs Fora FinancialCredibly vs Forward FinancingGreenbox Capital vs CrediblyRapid Finance vs Credibly

Pages we read

  1. https://www.credibly.com/working-capital-loans/
  2. https://www.credibly.com/merchant-cash-advance/
  3. https://www.credibly.com/business-line-of-credit/
  4. https://www.credibly.com/resources/faq/
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Credibly here doesn't mean it works with Openbook.

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