Credibly
alternative-lending · USCredibly is an alternative business lender that serves small businesses that may not qualify for traditional bank financing. Its qualification criteria are more flexible than banks — businesses with credit scores as low as 500 and as little as 6 months in business can qualify for some products. Credibly offers working capital loans, merchant cash advances, business lines of credit, equipment financing, and SBA loans through a single application process. Its technology platform uses cash flow data and business performance metrics alongside credit scores to make lending decisions, which benefits businesses with strong revenue but imperfect credit. Funding can occur in as little as 48 hours for qualifying applicants. Credibly serves over 30,000 businesses across virtually all industries. Business loans are subject to approval — rates and terms vary by product, credit profile, and business performance. Verify current offers directly with Credibly.
Quick Answer
Credibly is designed for smb businesses. Pricing starts at $0/mo. Best suited for US-based businesses. Most flexible qualification requirements — accessible to businesses declined by traditional lenders
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Flexible qualification — credit scores from 500 and 6 months in business
- •Working capital loans, MCA, lines of credit, equipment financing, and SBA loans
- •Cash flow-based underwriting alongside credit score assessment
- •Funding in as little as 48 hours for qualifying applicants
- •Single application for multiple product types
- •Dedicated funding advisors for each applicant
- •Serves 30,000-plus businesses across all major industries
- •No prepayment penalty on most products
Pros
- +Most flexible qualification requirements — accessible to businesses declined by traditional lenders
- +Fastest funding in the category — 48-hour funding for qualifying applicants
- +Broad product range covers most small business financing needs in one place
- +Cash flow underwriting benefits revenue-strong businesses with imperfect credit
- +Dedicated funding advisors guide applicants through product selection
- +SBA loan access alongside alternative products from one platform
Cons
- −Factor rates on working capital loans and MCA are higher than bank loan APRs
- −Short repayment terms on working capital products increase effective cost
- −Daily or weekly repayment on MCA affects cash flow management
- −US only
- −Flexible qualification comes with higher cost — best rates go to strongest profiles
- −Business loans subject to approval — verify current rates directly with Credibly
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Reviewed by Finatune · Last updated 2026-07-01