The specs
CrediblyCresthill Capital
Product typeMulti-productMCA
Amount range$5K – $600K$5K – $500K
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor 1.22 – 1.45
Speed to fundAs fast as 4 hours24 – 48 hours after approval
Min time in business6 months6 months
Min monthly revenue$15,000$15,000
Min credit score550+525+
Products
- MCA
- Working capital LOC
- Short-term term loan
- MCA (1st, 2nd position)
- Renewal funding
Verdicts by use case
- Clean A-paper merchant on a first-position file under $200K — Winner: Credibly. Credibly's A-paper factor band (1.11 – 1.25) and 4-hour API V2 + Cloudsquare funding (March 2026) materially undercuts Cresthill Capital's 1.22 – 1.45 factor and 24 – 48 hour timeline. For standard A-paper files inside Credibly's sweet spot the cost and speed differential is decisive.
- Upper-B paper 2nd position file in the $100K – $500K band — Winner: Cresthill Capital. Credibly is first-position-preferred and declines most stacked files. Cresthill Capital underwrites upper-B paper and 2nd position MCA deliberately, with multi-year broker-channel tenure and deal capacity up to $500K. For files with an existing 1st position needing $100K – $500K additional capital Cresthill is in the cascade where Credibly isn't.
- Larger deal size at the top of each funder's range — Winner: Credibly. Credibly underwrites up to $600K with consistent execution. Cresthill Capital caps at $500K with reasonable execution in the $50K – $250K band but variable consistency at the top. For files in the $400K – $600K band Credibly is more predictable.
- Counterparty risk — NY-domicile COJ language scrutiny — Winner: Credibly. Credibly's contract structure does not rely on COJ provisions. Cresthill Capital, as a NY-domiciled MCA originator, has historically included COJ provisions in contracts — 2019 NY legislation banned COJ enforcement against out-of-state merchants and 2024 – 2025 state rule updates further constrained practical enforcement, but contract language may still include COJ clauses. For merchants who want simpler contract risk Credibly is structurally cleaner.
- Renewal pricing competitiveness — Winner: Credibly. Credibly's renewal pricing typically reduces factor margin meaningfully for merchants with on-time payback history (down to 1.15 – 1.22 on a renewal from a 1.25 – 1.32 original). Cresthill's renewal pricing tends to retain factor margin closer to the original — always shop renewals competitively across at least two other funders rather than defaulting to either funder's renewal offer.
The honest takeaway
Credibly and Cresthill Capital 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 Cresthill Capital still file Confessions of Judgment in 2026?
- Contract language may still include COJ provisions, but practical enforcement has materially narrowed since 2019. NY 2019 legislation banned COJ enforcement against out-of-state merchants; subsequent NJ and CA legislation added further constraints. 2024 – 2025 state rule updates targeted over-collection and post-payoff COJ filings that drove earlier NY AG enforcement actions. Practical risk in 2026-06-28 is meaningfully lower than 2019 — but always have an MCA attorney review the contract's COJ jurisdiction clause before signing, especially on advances over $50K. Credibly's contract structure does not rely on COJ at all.
- What's Cresthill Capital's typical ISO commission structure?
- Cresthill Capital does not publish a public commission tier sheet as of 2026-06-28. Industry-comment consensus suggests Cresthill's broker-channel commissions typically run 4 – 8 points of factor on standard placements, with renewal compensation lower than origination compensation. ISOs should request the specific commission tier in writing before submitting files, and compare against Greenbox Capital (up to 19% published) and Accord Business Funding (up to 15% published with 100% on renewals) for files that fit either alternative's underwriting box.
- Is Cresthill Capital a direct funder or a broker?
- Cresthill Capital operates as a direct MCA originator funding off its own balance sheet, with broker-channel distribution alongside direct origination. That makes them an authentic direct funder rather than a marketing-only broker, which is meaningful for counterparty stability — but pricing still reflects the broker commission layer when files are routed through ISO partners. Direct application to Cresthill (bypassing a broker) typically saves 4 – 8 points of factor versus the same file routed through a broker, though it gives up the broker's ability to shop the file across multiple funders.