I need $1M — which?

Libertas. Their published range goes to $5M and they regularly underwrite $1M+ MCAs. Credibly's $600K headline cap is rarely reached and almost never above $750K.

I'm a $20K/mo operator — which?

Credibly. Libertas's $30K/mo floor declines you. Credibly's $15K/mo floor accepts you and offers MCA, LOC, or term loan as fits your cash flow.

Which is cheaper for A-paper?

Credibly's A-paper factor (1.11+) sits below Libertas's published range (1.20 – 1.49). For clean A-paper files, Credibly almost always wins on rate.

Credibly vs Libertas Funding — 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

CrediblyLibertas Funding

Product typeMulti-productMCA

Amount range$5K – $600K$10K – $5M

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor 1.20 – 1.49 depending on paper grade and position

Speed to fundAs fast as 4 hours24 – 48 hours after underwriting

Min time in business6 months12 months

Min monthly revenue$15,000$30,000+/mo

Min credit score550+550+

Products

MCA
Working capital LOC
Short-term term loan

MCA (1st / 2nd position)
Equipment financing

Verdicts by use case

Smaller merchant ($15K – $30K/mo) — Winner: Credibly. Credibly's $15K/mo floor accepts smaller operators. Libertas's $30K/mo floor declines them. Below $30K/mo, Libertas isn't an option.
Multi-product (MCA + term + LOC) — Winner: Credibly. Credibly offers MCA, working capital LOC, and short-term term loan under one underwriting umbrella. Libertas is MCA + equipment only.
Modern submission UX + API — Winner: Credibly. Credibly's March 2026 API V2 + Cloudsquare integration is the most modern submission infrastructure in the MCA market. Libertas is more traditional ISO-portal-driven.
Large deal ($500K+) — Winner: Libertas Funding. Libertas regularly funds $500K – $2M deals as a mid-market specialist. Credibly tops at $600K and rarely underwrites at the upper bound.
2nd-position MCA stacking — Winner: Libertas Funding. Libertas will write 2nd-position MCAs where most direct funders decline. Credibly is generally 1st-position only with anti-stacking language.

The honest takeaway

Credibly and Libertas Funding 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 need $1M — which?: Libertas. Their published range goes to $5M and they regularly underwrite $1M+ MCAs. Credibly's $600K headline cap is rarely reached and almost never above $750K.
I'm a $20K/mo operator — which?: Credibly. Libertas's $30K/mo floor declines you. Credibly's $15K/mo floor accepts you and offers MCA, LOC, or term loan as fits your cash flow.
Which is cheaper for A-paper?: Credibly's A-paper factor (1.11+) sits below Libertas's published range (1.20 – 1.49). For clean A-paper files, Credibly almost always wins on rate.