The specs
CrediblyPrime Capital Group
Product typeMulti-productMCA
Amount range$5K – $600K$5K – $300K
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor 1.22 – 1.44
Speed to fundAs fast as 4 hours24 – 48 hours after approval
Min time in business6 months6 months
Min monthly revenue$15,000$15,000
Min credit score550+550+
Products
- MCA
- Working capital LOC
- Short-term term loan
- MCA (1st, 2nd, 3rd position)
- Renewal funding
Verdicts by use case
- Clean A-paper merchant (550+ FICO, 6+ months, single position) — Winner: Credibly. Credibly's A-paper factor band (1.11 – 1.25) and 4-hour API V2 + Cloudsquare funding is materially cheaper and faster than Prime Capital Group's 1.22 – 1.44 factor. On a $100K deal, the cost differential typically runs $11K – $19K.
- B/C-paper file with existing 2nd position — Winner: Prime Capital Group. Credibly is first-position-preferred and declines most stacked files. Prime Capital Group underwrites 2nd and 3rd position MCA as a deliberate product — for files with existing positions needing additional capital, Prime is in the cascade where Credibly isn't.
- Larger deal size ($300K+) — Winner: Credibly. Credibly underwrites up to $600K with consistent execution. Prime caps at $300K and consistency above $200K is less reliable given the smaller balance sheet. For larger files, Credibly is the more predictable option.
- Counterparty diligence — verifying the contracting entity — Winner: Credibly. Credibly has $3B+ deployed and unambiguous direct-lender identity. 'Prime Capital Group' overlaps with multiple unrelated financial-services brands (asset management, equipment finance, real estate) — extra due diligence required to verify which legal entity actually issues the MCA contract.
- ISO commission on B/C-paper deals — Winner: Prime Capital Group. Prime Capital Group pays aggressive commission tiers on B/C-paper deals to attract broker submissions. Credibly's commission is competitive on A-paper but lower on deep-B-paper. ISOs working primarily B/C-paper portfolios place more deals through Prime.
The honest takeaway
Credibly and Prime Capital Group 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
- Is 'Prime Capital Group' the MCA shop or the asset manager?
- There are multiple unrelated financial-services brands using the 'Prime Capital' or 'Prime Capital Group' wording — asset management RIAs, equipment finance firms, real estate lenders, and several distinct MCA originators. Always verify the legal entity on the funding agreement before signing — the MCA-issuing entity is rarely the same as the better-known wealth-management or institutional 'Prime Capital'-branded firms. Brand-name overlap creates real SEO and contract-entity confusion in the broker channel.
- My ISO presented Prime Capital Group at 1.34 factor — should I shop Credibly first?
- Yes, always. If your file is A or upper-B paper (550+ FICO, 6+ months TIB, single position, clean bank statements), Credibly will quote 1.22 – 1.30 — saving 4 – 12 points of factor. Prime's 1.34 typically reflects broker commission markup on top of B/C-paper risk pricing. Request a written Credibly quote before accepting Prime; on a $100K deal the savings often run $4K – $12K.
- Does Prime Capital Group have an enforceable reconciliation policy?
- Contractually yes, practically tighter than direct A-paper funders. Reconciliation policy exists in the MCA agreement but enforcement requires substantial documentation (typically 3 months of bank statements showing the revenue decline plus financial projections). Smaller balance sheet means less margin to absorb large reconciliation adjustments — merchants report variable response times relative to Credibly or Forward Financing. Get reconciliation policy specifics in writing for seasonal businesses.