Credibly review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credibly lends to US businesses as a direct lender, with fixed-rate pricing and a one-time origination fee of 2.5%. It suits established firms with steady banking revenue, and the trade-off is a factor rate structure rather than a plain annual interest rate.

Key facts

Best for
US businesses with steady deposits needing a lump sum or credit line quickly.
Loan amount
$25,000 to $600,000 (Source, checked September 26, 2026)
Term
6 to 24 months (Source, checked September 26, 2026)
Arrangement fee
One-time origination fee, 2.5% (example: $1,250 on a $50,000 loan) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
As fast as 4 hours after signing the offer (Source, checked September 26, 2026)
Representative example
$50,000 loan at a 1.11 factor rate: total repayment $55,500, plus a 2.5% origination fee of $1,250, total financing cost $6,750 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Business operating in the US, 6+ months in business, $20K+ average monthly deposits, 550+ FICO score, revenue in a business bank account (Source, checked September 26, 2026)
Origination fee (%)
2.5% (Source, checked September 26, 2026)
Loan types
Business, Credit-line, Secured (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Retail Capital LLC (California) / Credibly or Arizona LLC (other states) (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
credibly.com

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotfacebook.com

Pros and cons

Pros

  • Lending runs from $25,000 to $600,000, which is far larger than most personal and secured offers on the site
  • Applications use a soft prequal approach, so an offer can be checked without a full credit search
  • Funding can be As fast as 4 hours after signing the offer, with same-day funding listed as a feature
  • Pricing is fixed and the product list includes business and credit-line lending

Cons

  • Pricing is a factor rate, not a plain interest rate, and a one-time origination fee of 2.5% applies
  • Support runs on phone, email and help centre only, with no live chat or in-app messaging listed
  • Eligibility needs a good track record, including a minimum FICO score and a history of business banking

Ready to try Credibly?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • US businesses trading for at least several months with steady monthly deposits
  • Owners who want a credit line they can draw on as well as a term loan
  • Borrowers who value speed of funding over a simple interest rate

Who should look elsewhere

  • Borrowers wanting a plain interest rate rather than a factor rate
  • Newly formed businesses with no banking history
  • Consumers after personal or mortgage credit, since this is business lending only

How your money is protected

Credibly is a direct lender, so the offer and the contract sit with one company rather than a panel of lenders you never meet. The published representative example is a factor rate loan: the total repayment is a multiple of the amount borrowed, and a one-time origination fee is added on top, so the cost to the business runs above the headline figure.

The company behind it

Credibly is based in the US and has been trading since 2010. Contracts are signed with Retail Capital LLC in California, and with Credibly or Arizona LLC in other states, so the counterparty depends on where the business sits. Help is offered through phone, email and help centre, which covers phone, email and a help centre for account questions and offer queries.

How Credibly compares

Where Credibly is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Credibly lend?+

Working capital loans run from $25,000 to $600,000, and the same business can also hold a credit line. The ceiling sits well above most personal and secured offers on the site, so a larger business can cover an equipment order in one agreement.

What is the origination fee?+

A one-time origination fee of 2.5% is charged on the amount borrowed, and it sits on top of the repayments rather than inside them. The published example shows the total repayment and the fee separately, which is why the cost of the facility runs above the headline multiple.

How is the loan priced?+

Pricing is fixed and follows a factor rate, so a multiple is repaid on the amount borrowed rather than a simple annual rate. The published representative example sets out the amount, the multiple, the total repayment and the fee together, so the whole cost is visible in one place.

How long are the terms?+

Terms run 6 to 24, so the money is repaid over a set period rather than revolving indefinitely. Because the rate is fixed, the repayment profile is set at the start and stays predictable, which makes budgeting easier for a business with uneven cash flow.

How long does funding take?+

Funding can be As fast as 4 hours after signing the offer, which is one of the reasons owners consider this lender for a payroll or supplier deadline. Same-day funding is listed among the features, so the speed is a real selling point when an invoice lands late.

Does applying affect your credit file?+

Applications are described as soft prequal, so an indicative check can be done before a full credit search. Credit needed is listed as fair, and eligibility still leans on a healthy score plus a steady banking record rather than on personal credit alone.

Who can apply?+

The business must operate in the US, have been trading for a minimum period, hold a minimum credit score, show a set level of average monthly deposits and keep revenue in a business bank account. Owners should check those conditions before applying.

How do I get help once I have an account?+

Help runs through phone, email and help centre, which covers phone, email and a help centre. Those channels cover account questions, offer queries and repayment problems, so it is worth keeping the business account details handy when you call.

Sources

  • credibly.com/company checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Loan types

    “Founded in 2010, Credibly offers working capital loans, merchant cash advances, and other financing options”

  • credibly.com/terms checked September 26, 2026

    Backs: Support channels

    “You can contact us via email or by calling our Customer Success Team at [(888) 664-1444]”

  • credibly.com/working-capital-loans checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Features, Funding time, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Credibly working capital loans provide $25,000-$600,000 in short-term financing for small businesses”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Credibly

US businesses with steady deposits needing a lump sum or credit line quickly.

8.9/10See alternatives

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