I'm a 12-month-old business — can I get Kapitus?

Probably not. Kapitus's 24-month TIB floor is strict. Credibly's 6-month floor accepts you. Consider Kapitus when you cross the 24-month mark.

I'm a dental practice looking for equipment financing — which?

Kapitus via their Helix Healthcare platform. It's purpose-built for medical / dental / vet equipment and practice financing with licensing-aware underwriting Credibly doesn't offer.

Which has better ISO commissions?

Both are ISO-friendly. Credibly's published commission isn't public but their API integration makes high-volume submission cheaper to operate. Kapitus has competitive tiers but tier requirements are stricter than Greenbox or Accord.

Credibly vs Kapitus — 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

CrediblyKapitus

Product typeMulti-productMulti-product

Amount range$5K – $600K$10K – $5M (across products)

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor 1.18 – 1.45 (MCA); APR varies on term, LOC, and equipment

Speed to fundAs fast as 4 hours24 – 48 hours (MCA); 3 – 7 days for term + equipment

Min time in business6 months24 months

Min monthly revenue$15,000$15,000

Min credit score550+625+

Products

MCA
Working capital LOC
Short-term term loan

MCA
Term loan
LOC
Equipment financing
Invoice factoring
Helix healthcare financing

Verdicts by use case

Newer business (6 – 24 months TIB) — Winner: Credibly. Credibly's 6-month TIB floor accepts newer operators. Kapitus requires 24+ months — rules out many 1 – 2 year businesses.
Lower credit (550 – 625) — Winner: Credibly. Credibly accepts 550+ FICO. Kapitus requires 625+. Sub-625 borrowers are Credibly-only in this pair.
Healthcare practice financing — Winner: Kapitus. Kapitus's Helix Healthcare financing platform is purpose-built for medical / dental / vet practices and offers products Credibly doesn't (practice acquisition, equipment-against-license, etc.).
Broadest product line — Winner: Kapitus. Kapitus offers MCA, term, LOC, equipment, invoice factoring, and Helix healthcare. Credibly offers MCA, working capital LOC, short-term term loan — narrower stack.
Modern submission UX + API — Winner: Credibly. Credibly's March 2026 API V2 + Cloudsquare integration is the most modern submission infrastructure in the MCA market. Kapitus is more traditional ISO-portal-driven.

The honest takeaway

Credibly and Kapitus 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 a 12-month-old business — can I get Kapitus?: Probably not. Kapitus's 24-month TIB floor is strict. Credibly's 6-month floor accepts you. Consider Kapitus when you cross the 24-month mark.
I'm a dental practice looking for equipment financing — which?: Kapitus via their Helix Healthcare platform. It's purpose-built for medical / dental / vet equipment and practice financing with licensing-aware underwriting Credibly doesn't offer.
Which has better ISO commissions?: Both are ISO-friendly. Credibly's published commission isn't public but their API integration makes high-volume submission cheaper to operate. Kapitus has competitive tiers but tier requirements are stricter than Greenbox or Accord.