Merchant Cash Advance · Working Capital Loan · Equipment Financing
Credibly Review 2026
Funding: $5,000 – $400,000|Funds in Same day to 2 business days
Credibly is known for being accessible to lower-credit businesses while offering competitive factor rates compared to other sub-prime funders. Popular in the restaurant and retail verticals.
What Credibly Offers
Credibly provides the following funding products for small and medium-sized businesses:
- Merchant Cash Advance
- Working Capital Loan
- Equipment Financing
- Amount: $5,000 - $400,000
- Factor Rates: 1.09 - 1.36
- Funding Time: Same day to 2 business days
Credibly Requirements
- Credit Score: 500+ personal credit score
- Time in Business: At least 6 months
- Monthly Revenue: $15,000+ minimum
Credibly Pros
- 500 credit score accepted
- Competitive rates for sub-prime
- Fast approval
Credibly Cons
- Higher revenue minimum
- Factor rates still significant
- Daily ACH remittance only
Who Should Use Credibly?
- Businesses with credit scores of 500 or above
- Companies with at least $15,000 in monthly revenue
- Businesses operating for 6+ months
- Those looking for Merchant Cash Advance or Working Capital Loan
How to Apply
The application process is straightforward. You can apply directly through Credibly or through Velica Capital to compare multiple offers at once with no impact to your credit score.
Ready to apply for funding with Credibly?
Velica Capital works with Credibly and other top lenders. Apply once to see what you qualify for with no hard credit check.
Quick Facts
Min Credit Score
500
Time in Business
6+ months
Min Revenue
$15,000/mo
Max Funding
$400,000
Factor Rate
1.09 - 1.36
Time to Fund
Same day to 2 business days
Products
- Merchant Cash Advance
- Working Capital Loan
- Equipment Financing
Visit Website