The specs
CrediblyCurrency Capital
Product typeMulti-productMulti-product
Amount range$5K – $600K$5K – $2M (equipment); $5K – $500K (working capital)
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)APR 6.99% – 24%+ (equipment); APR 20 – 60%+ (working capital)
Speed to fundAs fast as 4 hoursSame-day pre-approval; 24 – 72 hours to funding
Min time in business6 months6 months
Min monthly revenue$15,000$10,000
Min credit score550+600+
Products
- MCA
- Working capital LOC
- Short-term term loan
- Equipment financing
- Working capital
- Equipment leasing
Verdicts by use case
- Pure working capital with fastest funding — Winner: Credibly. Credibly funds working capital in as fast as 4 hours with API V2 + Cloudsquare infrastructure (March 2026). Currency is equipment-finance-first; working capital is a secondary product and typically lands at 24 – 72 hours with higher APR than Credibly's MCA factor equivalent on cash-flow files.
- Equipment purchase, especially commercial vehicle or construction — Winner: Currency Capital. Currency's marketplace model across 30+ equipment lenders maximizes approval for commercial vehicle, construction, and yellow-iron deals. Credibly has no dedicated equipment product. For known equipment purchases, Currency is structurally cheaper.
- Larger equipment deals ($500K+) — Winner: Currency Capital. Currency underwrites equipment to $2M. Credibly working capital tops at $600K and was never priced for asset-backed deals at that scale. For large equipment financing, Currency wins outright.
- Harder file with personal credit issues — Winner: Credibly. Credibly's 550+ FICO floor accepts thinner-credit merchants on working capital. Currency's 600+ FICO and marketplace model means harder files get bounced across more partners with inconsistent outcomes. For B/C-paper cash flow needs, Credibly is more reliable.
- Consistent pricing on near-identical files — Winner: Credibly. Credibly is a direct funder — same file profile gets near-identical offers. Currency is a marketplace — same file can see meaningfully different offers depending on which partner-lender accepts. For pricing predictability, Credibly wins.
The honest takeaway
Credibly and Currency 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
- I'm an HVAC contractor at $50K/mo who needs $120K for a service truck and equipment — which?
- Currency. The service truck and HVAC equipment are exactly the asset class Currency's marketplace is built around — expect APR in the 8 – 16% range on a 48 – 60 month term, collateralized by the asset titles. Credibly would fund the same use at working capital factor rates (1.25 – 1.35) which over the same horizon costs 2 – 3x more. Only use Credibly here if Currency's partner lenders bounce the file.
- Currency is a marketplace — how do I know which lender is actually funding me?
- Ask for the final lender of record before signing. Currency typically discloses the partner lender at offer stage. Quality varies across their 30+ partners — some are bank-owned (favorable covenants), some are independent funders with aggressive renewal terms. Read the contract carefully for personal guarantee scope, default interest, and any cross-collateralization. Credibly is always Credibly — simpler diligence.
- Which is better if I'm a thin-file merchant ($12K/mo, 580 FICO, no equipment to collateralize)?
- Credibly. Currency's 600+ FICO floor and equipment-finance focus declines you on both grounds — no collateral means no marketplace appetite. Credibly underwrites working capital at 550+ FICO with no asset requirement — expect a 1.40+ factor reflecting the file grade. Build payment history and renew at improved terms in 4 – 6 months.