# Credibly

Source: https://businessloanbroker.ai/lenders/credibly/
Site: BusinessLoanBroker.ai (powered by Levr)

> Credibly funds US small businesses with working capital loans and cash advances, plus lines, equipment and SBA loans through partners. See who it fits.

Credibly is a US small business financing company that funds working capital loans and merchant cash advances from its own capital and arranges other products through funding partners. It serves US small businesses that need operating cash quickly, and a cash advance from it should be judged on different terms from a loan.

## Key facts
- **Products:** Working capital loans, merchant cash advances; lines, equipment, long term and SBA loans through partners
- **Company type:** Business financing provider, founded 2010
- **Operates in:** United States
- **Model:** Own funding for core products, partner network for the rest
- **Funding range:** Not published
- **Website:** credibly.com

## What does Credibly offer?

Credibly offers two products from its own balance sheet: a [working capital loan](https://businessloanbroker.ai/business-loans/working-capital-loans/) with a defined repayment schedule, and a [merchant cash advance](https://businessloanbroker.ai/business-loans/merchant-cash-advance/), which buys a slice of your future receivables for cash today. Through funding partners it can also arrange lines of credit, equipment financing, longer term loans and SBA loans. The practical effect is one application that can route to several products, which is convenient, but it means the agreement you sign may name a partner rather than Credibly.

## Who does Credibly fund, and who do they decline?

Credibly funds US small businesses with an operating need. The profile does not publish a funding range, revenue minimum, credit score, time in business or industry list, and it does not state who it declines.

Its own products are built for speed and for owners who may not pass a bank's tests, which usually means the cost is higher than a bank line. If you have two years of history and good credit, ask whether a partner line or SBA loan is on the table before accepting a cash advance. Businesses outside the United States are not eligible.

## What does it typically cost and how fast is it?

Credibly does not publish rates or fees; pricing is quoted per file. For a cash advance, compare the net proceeds after fees, the total payback, the remittance frequency and the reconciliation terms. For the loan, ask for the APR. Our [APR versus factor rate](https://businessloanbroker.ai/guides/apr-vs-factor-rate/) guide converts a factor quote, and the [merchant cash advance](https://businessloanbroker.ai/business-loans/merchant-cash-advance/) page gives the typical range. Funding speed is not published.

## What will you need to apply?

Expect three to six months of business bank statements, card processing statements if you want an advance, your EIN and formation documents and owner ID. Partner products such as SBA loans need tax returns and financial statements. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers both the quick and the full packages.

## How does Credibly compare with similar lenders?

[Fora Financial](https://businessloanbroker.ai/lenders/fora-financial/) funds term loans, cash advances, lines of credit and SBA loans up to $1.5 million for US businesses above $240,000 in annual revenue, with published figures of over $5 billion deployed. [Rapid Finance](https://businessloanbroker.ai/lenders/rapid-finance/) has the same direct plus arranged model, with SBA, asset based and commercial real estate options through a servicing affiliate. All three are one stop shops; compare the quoted cost and check which entity is the lender on your agreement.

## How to apply

Apply once on this site and matching shows whether Credibly, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Credibly | Working capital loans, cash advances, partner products | Not published | United States | US small businesses needing fast working capital with one point of contact |
| Fora Financial | Term loans, cash advances, lines, SBA loans | Up to $1,500,000 | United States | Established US businesses above $240,000 revenue needing fast, credit flexible capital |
| Rapid Finance | Term loans, lines, cash advances; arranged SBA, ABL, CRE | Not published | United States | US small businesses wanting direct working capital with access to arranged products |

## Questions and answers
**Is a Credibly cash advance a loan?**

No. The profile states that a merchant cash advance purchases future receivables and should be evaluated separately from a loan. Compare it on total payback, not on an interest rate.

**Can I get an SBA loan through Credibly?**

The profile lists SBA financing among the options available through Credibly's funding partners. The SBA loan itself would come from a partner lender, under SBA rules.

**How fast does Credibly fund?**

Speed is not published. Working capital products in this category usually fund within days of a complete file, while partner SBA loans take weeks.

## Related
- [Fora Financial](https://businessloanbroker.ai/lenders/fora-financial/)
- [Rapid Finance](https://businessloanbroker.ai/lenders/rapid-finance/)
- [Working capital loans](https://businessloanbroker.ai/business-loans/working-capital-loans/)
- [Merchant cash advances](https://businessloanbroker.ai/business-loans/merchant-cash-advance/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-credibly
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)