Credibly is a Michigan-based fintech lender founded in 2010 that has funded over $2.5 billion to more than 55,000 businesses. Its biggest draw is the dual product role: Credibly is one of the only alternative lenders that directly funds merchant cash advances AND is an approved SBA 7(a) lender, meaning a single application can surface both high-speed MCA offers and long-term government-backed options simultaneously. Underwriting is data-driven and cash-flow-first rather than credit-score-led. Pre-qualification uses only a soft credit pull. Best for businesses with 6+ months of history, $15K+ in monthly revenue, and a 500+ credit score that need capital quickly without ruling out SBA-quality pricing.
Credibly is a Michigan-based fintech lender founded in 2010 that has funded over $2.5 billion to more than 55,000 businesses. Its biggest draw is the dual product role: Credibly is one of the only alternative lenders that directly funds merchant cash advances AND is an approved SBA 7(a) lender, meaning a single application can surface both high-speed MCA offers and long-term government-backed options simultaneously. Underwriting is data-driven and cash-flow-first rather than credit-score-led. Pre-qualification uses only a soft credit pull. Best for businesses with 6+ months of history, $15K+ in monthly revenue, and a 500+ credit score that need capital quickly without ruling out SBA-quality pricing.
Credibly combines speed with product range in a way most alternative lenders cannot match. Here is what sets them apart in 2026.
Credibly funding is designed for fast deployment across a range of operational needs.
Cover day-to-day operational costs including payroll, rent, and utilities without tying up cash reserves.
Stock up ahead of busy seasons or fulfill larger orders by converting working capital into inventory quickly.
Acquire machinery, vehicles, or technology with equipment-specific financing rather than draining operating cash.
Fund renovations, new locations, or hiring initiatives when your growth plan requires capital before revenue catches up.
Bridge the timing gap between when expenses are due and when revenue arrives — particularly for seasonal businesses.
Access same-day or next-day funds when urgent repairs, unexpected costs, or time-sensitive opportunities arise.
All products start with one application. A funding advisor matches you to the best fit based on your revenue, credit, and urgency.
Short-term loans for everyday operational needs. Terms from 6–24 months with daily or weekly repayments. Factor rates start at 1.11 with a 2.5% origination fee.
Lump sum repaid via a fixed percentage of daily credit and debit card sales. Terms from 3–18 months. Best for high-volume card transaction businesses.
The only Credibly product priced in APR. Terms up to 10 years with fixed monthly payments. Best for established businesses with 700+ credit scores.
Pay interest only on what you draw. Revolving credit line for ongoing operational needs. Requires 675+ credit score and $20K+ monthly revenue.
Finance or lease equipment with the equipment itself as collateral. Lower credit emphasis than unsecured products.
Government-backed financing at SBA-capped rates and terms up to 25 years. Credibly is a direct SBA 7(a) lender. Best for businesses with 620+ credit and 2+ years in operation.
Enter basic business info. Credibly pulls 3–6 months of bank statements. No paperwork required at this stage.
Your application is evaluated against all Credibly products simultaneously — MCA, term loan, line of credit, and SBA. Cleaner bank statements yield better factor rates.
Review each offer’s total cost, repayment schedule, and cash flow impact. Credibly funding advisors can walk you through the math on each product.
MCA and working capital funds typically arrive within 1–2 business days of acceptance. SBA loans take 2–4 weeks due to government processing.
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Credibly
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Fundivi
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Fora Financial
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OnDeck
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Kapitus
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Kalamata Capital Group
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| Eligibility | ||||||
| Loan Amount | $5K – $600K | $10K – $5M | $5K – $1.5M | $5K – $400K | $10K – $5M | $5K – $2M |
| Time in Business | 6+ Months | 9+ Months | 6+ Months | 12+ Months | 12+ Months | 6+ Months |
| Monthly Revenue | $15K+ | $30K+ | $12K+ | $8,333+ | $21K+ | $10K+ |
| Min. Credit Score | 500+ | None | 500 | 625+ | 600+ | None |
| Loan Details | ||||||
| Funding Speed | 24 Hours | Same Day | 72 Hours | Same Day | 24–48 Hours | Same Day |
| Approval | 4 Hours | Within 3 Hours | — | — | — | 4 Hours |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | A+ | A- | A+ | A+ | N/A | A+ |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Credibly directly funds its two core products — working capital loans and merchant cash advances. For other products including SBA loans, lines of credit, equipment financing, and invoice factoring, Credibly acts as a broker or marketplace connecting borrowers with vetted third-party lending partners.
Credibly accepts credit scores of 500 or higher for working capital loans and MCAs. Lines of credit require 675+. Business expansion loans require 700+. Better credit unlocks lower factor rates and better terms.
Working capital loans and MCAs use factor rates ranging from 1.11 to 1.31. A factor rate of 1.21 on a $50,000 loan means you repay $60,500 total. The Business Expansion Loan is the only product priced in APR, starting at 9.99%.
MCA and working capital funds arrive within 1–2 business days of acceptance, with same-day funding available in some cases. SBA loans take 2–4 weeks. Apply urgently? Accept the MCA now and refinance into SBA later if you qualify.
Yes. Credibly is a direct SBA 7(a) approved lender — one of the few alternative lenders with this status. If you apply for an MCA and their underwriting determines you qualify for SBA at 7–10% APR, they can originate that loan directly rather than defaulting you into a more expensive product.
Yes. Founded in 2010 as Retail Capital, Credibly holds an A+ BBB rating, a 4.8/5 Trustpilot rating across 2,500+ reviews, and has distributed $2.5B+ to 55,000+ businesses across all 50 states. BLIQ has independently verified Credibly as an active direct lender and approved SBA lender.
Credibly is one of the most versatile alternative lenders in 2026. The combination of direct MCA origination and SBA 7(a) approved status is rare — it means a single application can surface everything from same-day merchant advances to long-term government-backed loans at 7–10% APR. For businesses with pressing capital needs and a credit score of 500+, Credibly offers one of the fastest paths to funding with the most complete product comparison in one place.
It is best suited to businesses with 6+ months of history, $15K+ in monthly revenue, and the understanding that factor rate pricing on MCA products means higher effective APRs than traditional loans. Request the full APR equivalent before signing. If you qualify for SBA financing, ask Credibly specifically — they are one of the few providers who will route you to the cheaper option even if it means a lower commission.
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