The specs
Credibly ISO PortalGreenbox Capital ISO Portal
Product typeMulti-productMulti-product
Amount range$5K – $600K (MCA, term, LOC)$5K – $250K (MCA); other products vary
Cost (factor / APR)Factor 1.11+ A-paper MCA; APR varies termFactor varies by paper; published commission up to 19% to ISOs
Speed to fund4 hours on clean files; submission-to-offer under 30 minutes via API V224 – 48 hours; portal submission-to-offer 1 – 2 days
Min time in business6 months6 months
Min monthly revenue$15,000$15,000
Min credit score550+Flexible — accepts down to 500 on some programs
Products
- MCA
- Working capital LOC
- Short-term term loan
- MCA
- Invoice factoring
- Equipment financing
- Collateral loans
- LOC
Verdicts by use case
- ISO commission economics (highest commission per deal) — Winner: Greenbox Capital ISO Portal. Greenbox publishes up to 19% ISO commission — decisively higher than typical 8 – 12% from comparable direct funders. Credibly's commission tier isn't publicly published. For ISO commission-economics-driven cascade Greenbox is structural primary.
- Most modern submission UX (API + CRM integration) — Winner: Credibly ISO Portal. Credibly's API V2 + Cloudsquare integration (March 2026) is the most modern submission stack in MCA. Greenbox's ISO portal is functional but traditional broker-facing — no equivalent API-driven CRM integration as of 2026-06-28.
- Largest single-MCA deal ($250K – $600K) — Winner: Credibly ISO Portal. Credibly's $600K MCA cap exceeds Greenbox's $250K. For MCAs above $250K Credibly is the only structural option in this 2-way.
- Broadest product line under one ISO relationship — Winner: Greenbox Capital ISO Portal. Greenbox offers five products (MCA + invoice factoring + equipment financing + collateral loans + LOC) under one ISO relationship. Credibly offers three (MCA + LOC + term loan). For ISOs wanting one-stop multi-product distribution Greenbox is structural primary.
- Deeper B/C-paper merchant (sub-550 FICO) — Winner: Greenbox Capital ISO Portal. Greenbox accepts down to 500 FICO on some programs. Credibly's 550+ FICO floor declines sub-550 files. For B/C-paper books Greenbox is structural primary in this 2-way.
The honest takeaway
Credibly ISO Portal and Greenbox Capital ISO Portal solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- If Greenbox pays more commission, why do many ISOs still lead with Credibly?
- Three structural reasons as of 2026-06-28. (1) Submission UX — Credibly's API V2 + Cloudsquare integration cuts rekeying time materially for ISOs running CRM-based deal pipelines; the 30-minute submission-to-offer turnaround beats Greenbox's 1 – 2 day portal flow. (2) Funding speed — Credibly funds in 4 hours on clean files vs Greenbox's 24 – 48 hours; for speed-sensitive merchants and ISO close-rate optimization the time differential matters. (3) Deal size — Credibly's $600K MCA cap covers larger deals Greenbox can't write ($250K – $600K range). The realistic ISO playbook: lead with Credibly for A-paper $250K+ deals and speed-sensitive files (API V2 + 4-hour funding wins), lead with Greenbox for $50K – $250K MCAs where the 19% commission decisively beats Credibly's commission tier and for multi-product opportunities (factoring + equipment + MCA bundled under one Greenbox ISO relationship). Both belong in the cascade — neither is universally better.
- Does Greenbox's 2-stip MCA program compete with Credibly's API V2 on submission speed?
- Partially. Greenbox's 2-stip MCA program (only two stipulations required for clean A-paper) is competitive with the fastest A-paper underwriting in the market — for clean A-paper files Greenbox can approve and fund inside 24 – 48 hours which is competitive with most direct MCA funders. Credibly's API V2 + Cloudsquare integration plus 4-hour funding still wins on the absolute fastest-funding case, but the differential narrows on clean A-paper files where both funders can move quickly. The structural implication: for A-paper files the speed differential between Credibly (4 hours) and Greenbox 2-stip (24 – 48 hours) is meaningful only when the merchant has a genuine same-day capital emergency; for typical broker submission timelines (merchant signs application, ISO submits, decisions over 1 – 2 days) both funders are operationally competitive. The decision driver becomes ISO commission (Greenbox wins on 19% published commission) vs deal cap (Credibly wins on $600K vs $250K) vs submission UX (Credibly wins on API V2).
- Which is right for a $200K MCA on a 10-month-TIB Texas restaurant ($30K/mo, 580 FICO)?
- Greenbox is structural primary for this file as of 2026-06-28. The file qualifies for both funders (10 months exceeds 6-month floor, 580 FICO exceeds Credibly's 550 floor and Greenbox's flexible floor, $30K/mo exceeds $15K floor at both) and Greenbox's $250K MCA cap easily accommodates $200K. The decision driver is ISO commission economics — Greenbox's published 19% commission on a $200K MCA at factor 1.30 produces ISO commission approximately $50K vs Credibly's typically 8 – 12% commission producing approximately $20K – $30K. For ISO economics Greenbox wins decisively at this deal size. Credibly is competitive on factor (likely 1.22 – 1.28 vs Greenbox's 1.26 – 1.32) and faster funding (4 hours vs 24 – 48 hours) but the commission differential makes Greenbox structural primary for restaurant ISO books on the $50K – $250K MCA sweet spot. The realistic playbook: submit to Greenbox direct first via the Priority 1 ISO portal, fallback to Credibly via API V2 if Greenbox declines on paper grade or speed-to-funding is operationally critical. For restaurants specifically also consider Toast Capital (Toast POS only, embedded factor 1.13 – 1.36) if the restaurant runs Toast POS.