Can I get a Fundbox LOC plus a Credibly MCA?

Possibly, but anti-stacking clauses may apply on the Credibly side. Plus, carrying both signals leverage to future underwriters. Pick the right shape for your actual need.

Both can fund within 24 hours of approval. Credibly's API V2 has tighter end-to-end times for clean files. Fundbox is competitive but slightly slower in practice.

What about platform-specific lenders for e-commerce?

If you're a Shopify or Amazon seller, also look at Shopify Capital, Wayflyer, or Clearco — those underwrite off platform data and often beat both Credibly and Fundbox on pricing.

Credibly vs Fundbox — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

CrediblyFundbox

Product typeMulti-productLOC

Amount range$5K – $600K$1K – $150K

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Weekly fee + APR equivalent typically 30–60%

Speed to fundAs fast as 4 hoursAs fast as 1 day

Min time in business6 months6 months

Min monthly revenue$15,000$8,000

Min credit score550+600+

Products

MCA
Working capital LOC
Short-term term loan

Line of credit

Verdicts by use case

Best for a fluctuating capital need — Winner: Fundbox. Fundbox is a revolving LOC. Credibly's MCA is a lump sum. Different shapes; different fits.
Larger one-time capital need — Winner: Credibly. Credibly underwrites up to $600K. Fundbox caps at $150K.
Newer or thinner-file business — Winner: Fundbox. Fundbox's $8K/mo revenue floor and lower credit bar accepts merchants Credibly declines.
Honest math up front — Winner: Credibly. Credibly publishes factor rates starting at 1.11. Fundbox publishes weekly fees that imply 30%+ APR.
Builds business credit — Winner: Fundbox. Fundbox reports to commercial bureaus; Credibly's MCA generally doesn't.

The honest takeaway

Credibly and Fundbox 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

Can I get a Fundbox LOC plus a Credibly MCA?: Possibly, but anti-stacking clauses may apply on the Credibly side. Plus, carrying both signals leverage to future underwriters. Pick the right shape for your actual need.
Which one is faster?: Both can fund within 24 hours of approval. Credibly's API V2 has tighter end-to-end times for clean files. Fundbox is competitive but slightly slower in practice.
What about platform-specific lenders for e-commerce?: If you're a Shopify or Amazon seller, also look at Shopify Capital, Wayflyer, or Clearco — those underwrite off platform data and often beat both Credibly and Fundbox on pricing.