Can I get funded by both?

Yes — they're not anti-stacking funders. But carrying both simultaneously means two daily ACH withdrawals, which tightens cash flow significantly. Usually pick one based on product fit, not because both will lend.

Which one is better for a restaurant doing $35K/mo?

Either will fund. Greenbox is more likely to white-label the deal and offer renewal economics. Credibly is more likely to publish the factor rate transparently. Worth getting both indicative offers.

Does Greenbox actually pay 19% to brokers?

That's the published ceiling, not the floor. Actual commission depends on deal volume, paper grade, and product. The published number signals broker-friendliness; the actual deal economics depend on your file.

Credibly vs Greenbox Capital — 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

CrediblyGreenbox Capital

Product typeMulti-productMulti-product

Amount range$5K – $600K$5K – $250K (MCA); other products vary

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor varies by paper; published commission up to 19% to ISOs

Speed to fundAs fast as 4 hours24 – 48 hours

Min time in business6 months6 months

Min monthly revenue$15,000$15,000

Min credit score550+Flexible — accepts down to 500 on some programs

Products

MCA
Working capital LOC
Short-term term loan

MCA
Invoice factoring
Equipment financing
Collateral loans
LOC

Verdicts by use case

Newest API + cleanest submission UX — Winner: Credibly. Credibly's March 2026 API V2 + Cloudsquare integration is the most modern submission infrastructure in the MCA market.
Broadest product line beyond MCA — Winner: Greenbox Capital. Greenbox offers MCA, factoring, equipment financing, LOC, and collateral loans — five products to Credibly's three.
Higher deal size cap — Winner: Credibly. Credibly underwrites up to $600K; Greenbox caps MCA at $250K.
Easiest path for newer ISOs — Winner: Greenbox Capital. Greenbox explicitly courts new ISOs with 60-day Priority 1 status and white-label contracts.
Better factor rates for A-paper merchants — Winner: Credibly. Credibly publishes factor rates starting at 1.11 for top-quality files.

The honest takeaway

Credibly and Greenbox 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

Can I get funded by both?: Yes — they're not anti-stacking funders. But carrying both simultaneously means two daily ACH withdrawals, which tightens cash flow significantly. Usually pick one based on product fit, not because both will lend.
Which one is better for a restaurant doing $35K/mo?: Either will fund. Greenbox is more likely to white-label the deal and offer renewal economics. Credibly is more likely to publish the factor rate transparently. Worth getting both indicative offers.
Does Greenbox actually pay 19% to brokers?: That's the published ceiling, not the floor. Actual commission depends on deal volume, paper grade, and product. The published number signals broker-friendliness; the actual deal economics depend on your file.