The specs
Credibly ISO PortalRapid Finance ISO Portal
Product typeMulti-productMulti-product
Amount range$5K – $600K (MCA, term, LOC)$5K – $1M (across products)
Cost (factor / APR)Factor 1.11+ A-paper MCA; APR varies termUp to 5% of financing per public partner page; APR varies
Speed to fund4 hours on clean files; submission-to-offer under 30 minutes via API V2Same-day to 3 days; portal submission-to-offer 1 – 3 days
Min time in business6 months12 months
Min monthly revenue$15,000$10,000
Min credit score550+600+
Products
- MCA
- Working capital LOC
- Short-term term loan
- MCA
- Term loan
- LOC
- Embedded lending
Verdicts by use case
- Independent ISO building broker book on commission economics — Winner: Credibly ISO Portal. Credibly's API V2 commission flow is documented and commission tiers are typically more favorable for independent ISOs than Rapid Finance's published 5% partner cap. Greenbox (19%) and Accord (15%) are also stronger commission options for pure broker-economics-driven ISO cascades.
- Embedded-finance / SaaS-platform distribution model — Winner: Rapid Finance ISO Portal. Rapid Finance has the most explicit embedded-lending narrative in this comparison — vertical SaaS platforms partner with Rapid for in-product financing. Credibly's API V2 supports broker CRM integration but isn't positioned for SaaS-platform embedded financing the way Rapid Finance is.
- Newer business (6 – 12 months TIB) — Winner: Credibly ISO Portal. Credibly's 6+ month TIB floor reaches newer merchants. Rapid Finance's 12+ month requirement is structural — excludes most newer merchants ISOs place.
- Largest deal size capability ($600K – $1M) — Winner: Rapid Finance ISO Portal. Rapid Finance's $1M cap exceeds Credibly's $600K. For deals $600K – $1M Rapid Finance is the structural option in this 2-way; for sub-$600K both are competitive on size.
- Fastest funding speed (under 24 hours) — Winner: Credibly ISO Portal. Credibly funds in 4 hours on clean files. Rapid Finance funds same-day to 3 days — same-day only on the fastest A-paper files, more commonly 1 – 3 days. For speed-sensitive merchants Credibly is structural primary.
The honest takeaway
Credibly ISO Portal and Rapid Finance 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
- Why is Rapid Finance's published commission cap so much lower than Greenbox or Accord?
- Rapid Finance's primary go-to-market is embedded lending via vertical SaaS partners — the published 5% partner cap reflects partner-program economics rather than independent-ISO broker economics. Vertical SaaS partners earn the commission on financing originated inside their platform UX (e.g., a restaurant management software offering Rapid Finance MCA to its restaurant operators); independent ISOs running traditional broker cascades typically don't see the same commission economics as SaaS partners. The structural implication for ISOs: Rapid Finance is best understood as a SaaS-platform partner program rather than a pure independent-ISO direct submission channel — if you're an independent broker shop without a vertical SaaS distribution play, Greenbox (19%), Accord (15%), Kapitus, and Credibly direct will all pay you more per deal. As of 2026-06-28 the realistic ISO cascade puts Credibly first on commission transparency and Greenbox first on commission percentage, with Rapid Finance reserved for ISOs with embedded distribution into vertical SaaS platforms.
- Does Credibly's API V2 support embedded-lending integrations the way Rapid Finance does?
- Partially. Credibly's API V2 is built for broker CRM integration (Cloudsquare, Salesforce-based pipelines) — pushing deals from a broker workflow into Credibly underwriting and pulling offer status back. It's not currently positioned as a white-label SaaS embedded-finance platform the way Rapid Finance is. For a vertical SaaS company wanting to offer financing inside its product UX (e.g., a trucking dispatch SaaS offering working capital to trucking-fleet operators) Rapid Finance is structurally the right partner as of 2026-06-28; Credibly is structurally the right partner for an independent broker shop or ISO running a CRM-based deal pipeline. The realistic decision driver: if your distribution is independent-broker / direct-merchant, Credibly wins on submission UX and commission economics; if your distribution is SaaS-embedded, Rapid Finance wins on platform integration depth.
- Which ISO portal is right for a $300K MCA on a 14-month-TIB Florida restaurant ($40K/mo revenue, 590 FICO)?
- Credibly is structural primary for this file as of 2026-06-28. The file qualifies cleanly (14 months exceeds 6-month floor, 590 FICO exceeds 550 floor, $40K/mo exceeds $15K floor) and Credibly's $600K MCA cap easily accommodates the $300K request. Expected Credibly pricing: factor 1.22 – 1.32 (effective APR 40 – 55% on 9 – 12 month payback) with API V2 submission and 4-hour funding once stips are clean. ISO commission tier confirmed in the API contract — submit direct via the Credibly ISO portal at credibly.com/iso. Rapid Finance would also approve this file but the published 5% partner commission cap means ISO economics are materially weaker than Credibly's direct commission; Rapid Finance's structural fit is SaaS-platform embedded distribution rather than independent-ISO direct broker placement. For the restaurant operator the merchant outcome is similar (Rapid Finance MCA pricing on this file likely 1.24 – 1.34, comparable to Credibly), so the routing decision is driven by ISO commission economics — submit to Credibly direct first, fallback to Greenbox 2-stip MCA program if Credibly declines or quotes higher than expected.