The specs
CrediblyOnDeck
Product typeMulti-productMulti-product
Amount range$5K – $600K$5K – $400K (term); $6K – $200K (LOC)
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Term APR 27%+; LOC APR 30%+
Speed to fundAs fast as 4 hoursSame-day for approved files
Min time in business6 months12 months
Min monthly revenue$15,000$8,000
Min credit score550+600+
Products
- MCA
- Working capital LOC
- Short-term term loan
- Term loan
- LOC
Verdicts by use case
- Trampoline park with sub-600 FICO owner credit needing equipment-refresh or insurance pre-pay capital — Winner: Credibly. Trampoline parks with sub-600 FICO owner credit qualify cleanly at Credibly (550+ FICO floor) but face OnDeck's 600+ FICO floor as structural decline. Credibly accepts sub-600 FICO trampoline park files at MCA factor 1.24 – 1.36 for trampoline-pad/foam-pit refresh, commercial general liability insurance premium pre-pay, and seasonal staffing scale-up. For sub-600 FICO trampoline park files Credibly structurally primary as of 2026-06-30.
- Established trampoline park with A-paper credit needing fixed-term loan for major attraction expansion — Winner: OnDeck. Established trampoline parks with A-paper credit (625+ FICO, 12+ months TIB, $10K+/mo revenue) needing fixed-term loan structure for major attraction expansion (ninja course, climbing wall, laser tag, escape rooms) with predictable amortization preference qualify for OnDeck term loan at APR 28 – 48% over 12 – 24 month term — cleaner amortization than Credibly MCA for one-time deployment. For trampoline park files preferring fixed-term loan structure OnDeck primary on product fit; SBA 7(a), franchise-direct financing, and equipment financing materially cheaper for major deployment.
- Capital scale for major trampoline park franchise build-out or second-location deployment — Winner: Credibly. Major trampoline park capital deployment for franchise build-out (Sky Zone, Urban Air, Big Air typical $1M – $3M build-out) or second-location mobilization typically requires capital scale beyond OnDeck's $400K term loan cap. Credibly's $5K – $600K range accommodates partial deployment with higher cap. SBA 7(a) and SBA 504 structurally favored at materially cheaper rates for major facility deployment — both Credibly and OnDeck secondary for major trampoline park capital deployment. For trampoline park capital deployment above $400K Credibly structurally primary on capital scale within this 2-way comparison.
- Speed for insurance premium pre-pay deadline or post-injury liability emergency — Winner: Credibly. Trampoline parks face acute capital pressure on commercial general liability insurance premium pre-pay deadlines (premiums elevated, $40K – $150K/yr typical) and post-injury liability emergencies. Credibly's 4-hour funding beats OnDeck's same-day funding for fastest emergency funding in this 2-way. For trampoline park emergency capital Credibly primary on speed; both Credibly and OnDeck accommodate typical timing.
- Cost comparison for typical $50K – $200K trampoline park working capital deployment — Winner: Tie. For typical $50K – $200K trampoline park working capital deployment, Credibly MCA factor 1.20 – 1.32 and OnDeck term loan APR 28 – 45% land in roughly comparable cost range depending on payback timing and structure. Realistic recommendation: A-paper files preferring fixed-amortization route to OnDeck term loan; speed-emergency or sub-600 FICO files route to Credibly; SBA 7(a) and franchise-direct financing materially cheaper for major capital deployment in both cases. Tie because optimal answer depends on credit tier, timing preference, and capital purpose.
The honest takeaway
Credibly and OnDeck 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
- How do Credibly and OnDeck underwrite trampoline parks as of 2026-06-30?
- Credibly and OnDeck underwrite trampoline parks with materially different posture as of 2026-06-30 — neither lender has trampoline-park-specific underwriting product, and both lenders may view the vertical as elevated-risk due to liability profile. Credibly accepts trampoline parks at 550+ FICO floor, $15K/mo revenue floor, and 6+ months TIB with MCA and term loan products at $5K – $600K capital scale. OnDeck accepts trampoline parks at 600+ FICO floor, $8K/mo revenue floor, and 12+ months TIB with term loan ($5K – $400K at APR 28 – 48% over 12 – 24 month term) and LOC ($6K – $200K LOC at APR 28 – 48%). The realistic trampoline park Credibly vs OnDeck framework: (1) SBA 7(a) for facility expansion, attraction addition, or franchise build-out at 11 – 13% APR over 7 – 10 year term — SBA franchise-approved list includes Sky Zone, Urban Air, Big Air making SBA financing accessible; (2) SBA 504 for real estate purchase at 6 – 8% APR over 20 – 25 year term; (3) Equipment financing (Crest Capital, Balboa Capital, manufacturer financing through Sky Zone, Urban Air, ELI Play) for trampoline-court, foam pit, ninja course, climbing wall at 7 – 14% APR with equipment as collateral — typically primary for major equipment; (4) Insurance premium financing (IPFS Corp, Premium Funding, AFCO) for commercial general liability premium pre-pay at 10 – 13% APR over 9 – 11 month term; (5) Franchise-system financing programs; (6) Sub-600 FICO trampoline park files route to Credibly structurally — below OnDeck's 600+ floor; (7) A-paper trampoline park files preferring fixed-term loan structure route to OnDeck term loan; (8) Speed-emergency files route to Credibly for 4-hour funding. Trampoline park industry-specific considerations: facility build-out economics ($1M – $3M typical for 20K – 40K sqft franchise build-out); commercial general liability insurance cost ($40K – $150K/yr typical); waiver-and-release legal compliance; per-jumper revenue economics; birthday-party vertical economics (60 – 80% of revenue typical with pre-payment cycle); summer-camp and school-break peak demand cycle; trampoline-pad and foam-pit refresh cycle (12 – 24 months typical); franchise royalty structure (6 – 8% royalty + marketing fee).
- What capital structure makes sense for an established 30K sqft trampoline park doing $180K/mo revenue with 695 FICO owner credit needing $150K for trampoline-pad replacement and HVAC repair?
- Equipment financing, OnDeck term loan, and SBA 7(a) are structurally primary for this established trampoline park mixed deployment as of 2026-06-30. The realistic established trampoline park capital playbook: (1) Route trampoline-pad replacement to equipment financing or manufacturer financing — Sky Zone, Urban Air, ELI Play, and equipment financing lenders (Crest Capital, Balboa Capital, Beacon Funding) accommodate trampoline-court replacement at 7 – 11% APR over 5 – 7 year term with equipment as collateral. Expected offer: $80K – $150K. Materially cheaper than alternatives. (2) Route HVAC repair to equipment financing if major equipment, otherwise OnDeck term loan or Credibly — OnDeck term loan expected offer: $50K – $150K at APR 28 – 45% over 12 – 24 month term. Materially cheaper than Credibly MCA on APR-equivalent basis for fixed-amortization preference. (3) Evaluate SBA 7(a) if total capital deployment exceeds $300K or includes facility-attached improvements — expected SBA 7(a) offer: $150K – $400K at 11 – 13% APR over 7 – 10 year term. Materially cheaper than alternatives if SBA timing fits. (4) Credibly only if equipment financing, OnDeck, or SBA timing doesn't fit deployment deadline. (5) Long-term capital strategy — build equipment financing and manufacturer-direct financing relationships for refresh cycle; pursue SBA 7(a) refinance discipline for major capital cycles; build insurance premium financing for annual GL insurance cycle; build birthday-party vertical with pre-payment cycle for working capital optimization.
- Which is right for a 2-year independent trampoline park doing $60K/mo revenue with 590 FICO owner credit needing $35K for insurance premium pre-pay and seasonal staffing scale-up?
- Insurance premium financing and Credibly are structurally primary for this file as of 2026-06-30 because 590 FICO falls below OnDeck's 600 floor — OnDeck declines structurally. The realistic trampoline park sub-600 FICO capital playbook: (1) Route insurance premium portion to insurance premium financing as structural primary — IPFS Corp, Premium Funding, AFCO finance commercial general liability premium pre-pay at 10 – 13% APR over 9 – 11 month term. Expected offer: $30K – $80K. Materially cheaper than MCA for insurance-specific capital. Insurance premium financing typically does not require strong credit profile because policy itself is collateral. (2) Route remaining staffing scale-up capital to Credibly — file qualifies for Credibly's box (590 FICO above 550 floor, 24 months TIB, $60K/mo above $15K floor). Expected Credibly MCA offer: $25K – $50K at factor 1.24 – 1.34. Speed beneficial for seasonal staffing deadline. (3) Insurance broker shopping — specialty trampoline-park insurance brokers (CoverWallet, Hub International, Lockton trampoline-vertical specialists) often find materially better pricing than generalist brokers. (4) Waiver-and-release legal compliance audit — ensure waiver-and-release language meets state-by-state enforceability standards. Materially reduces liability claim severity over time. (5) Long-term capital strategy — plan FICO migration to 600+ for OnDeck graduation, 625+ for Bluevine LOC graduation; build insurance premium financing relationship for annual cycle; build specialty insurance broker relationship; build waiver-and-release legal infrastructure; build birthday-party vertical with pre-payment cycle for working capital optimization.