The specs
CrediblyCantor Fitzgerald
Product typeMulti-productMulti-product
Amount range$5K – $600K$10M – $1B+ (institutional capital markets, CRE debt, structured products)
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Institutional pricing — not comparable to SMB MCA factor or APR ranges
Speed to fundAs fast as 4 hoursWeeks to months (institutional underwriting cycle)
Min time in business6 months60 months
Min monthly revenue$15,000Not SMB — institutional counterparty minimums
Min credit score550+Institutional credit committee review; not FICO-based
Products
- MCA
- Working capital LOC
- Short-term term loan
- Capital markets
- Investment banking
- Commercial real estate debt
- Structured products
- Fixed income
Verdicts by use case
- Small business needing $5K – $600K working capital — Winner: Credibly. Credibly is built for this exact use case — SMB cash-flow underwriting with MCA, working-capital LOC, and short-term term loans, funding in as fast as 4 hours on files as small as $5K. Cantor Fitzgerald is a global financial-services firm operating in capital markets, investment banking, and CRE debt at $10M+ deal sizes; SMB working capital is not a product Cantor offers in any meaningful sense.
- $10M+ commercial real estate or structured-credit financing — Winner: Cantor Fitzgerald. Cantor Fitzgerald has genuine institutional CRE lending, capital-markets, and structured-products franchises. For $10M+ commercial real estate financings, structured private credit, or capital-markets advisory, Cantor is a real institutional counterparty. Credibly does not operate in this segment at all.
- Fastest funding on a working-capital need — Winner: Credibly. Credibly funds in as fast as 4 hours via API V2 + Cloudsquare (March 2026). Cantor Fitzgerald's institutional underwriting cycle runs weeks to months — even the fastest Cantor desk is structurally slower than any SMB direct lender.
- Brand recognition and institutional credibility — Winner: Cantor Fitzgerald. Cantor Fitzgerald is a globally-recognized financial-services brand with deep balance-sheet, decades of capital-markets history, and institutional client relationships no SMB lender approaches. For institutional counterparty optics in a $10M+ transaction, Cantor's brand carries weight Credibly cannot match.
- Realistic access for a typical SMB owner — Winner: Credibly. Credibly serves merchants from $15K/mo revenue and 6+ months in business — the entire SMB owner population. Cantor Fitzgerald's actual lending desk has no realistic path for sub-$10M annual revenue SMBs; any 'Cantor Fitzgerald' approach to a small-business working-capital deal is almost certainly through an unrelated affiliate or an introducer reselling the brand name.
The honest takeaway
Credibly and Cantor Fitzgerald 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
- Does Cantor Fitzgerald offer small business loans or MCA?
- Not in any meaningful sense for typical SMB merchants. Cantor Fitzgerald is a global financial-services firm with capital-markets, investment-banking, fixed-income, structured-products, and commercial-real-estate-debt franchises operating at $10M+ deal sizes. Cantor does not have an SMB working-capital, MCA, or sub-$5M term-loan product. Any small business that finds a 'Cantor Fitzgerald'-branded pitch for $50K – $500K working capital is likely being approached by an unrelated affiliate, an introducer reselling the brand name, or a confusion with one of several smaller MCA operators using similar wording — always verify the contracting legal entity before sharing financials.
- I'm a $5M revenue business — can I access Cantor Fitzgerald for a $1M credit line?
- Unlikely through Cantor's direct lending desks. Cantor's commercial real estate debt and structured private credit franchises typically operate at $10M+ deal sizes with institutional counterparties (REITs, real estate sponsors, private credit funds). A $5M revenue operating business needing $1M working capital sits well below Cantor's deal threshold. Realistic paths at this size include direct lenders like Credibly ($600K MCA cap), OnDeck (up to $400K term loan), bank-partner term loans through SBA 7(a), or asset-based lenders for inventory/AR-secured facilities.
- Why does this comparison exist if Cantor Fitzgerald and Credibly don't really compete?
- Because the brand-name overlap creates real search confusion — merchants searching for 'cantor capital' or 'cantor business funding' sometimes land on Cantor Fitzgerald pages expecting an SMB working-capital product, and other times encounter unaffiliated 'Cantor'-prefixed MCA operators using the brand similarity to drive traffic. The honest answer is: Cantor Fitzgerald operates in a completely different segment of the capital markets, and any small business needing $5K – $600K working capital should be looking at Credibly, OnDeck, Bluevine, or similar SMB-focused lenders — not Cantor.