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 (March 2026) is materially cheaper and faster than Prime Capital Group's broker-channel 1.28 – 1.47 factor. On a $100K deal the cost differential typically runs $17K – $22K.
- 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 Capital Group is in the cascade where Credibly isn't.
- Larger deal size ($200K+) — Winner: Credibly. Credibly underwrites up to $600K with consistent execution. Prime Capital Group caps at $200K with thinner public balance-sheet disclosure. For larger files Credibly is materially more predictable.
- Fastest funding on a clean file — Winner: Credibly. Credibly funds in as fast as 4 hours via API V2 + Cloudsquare. Prime Capital Group funds in 24 – 72 hours after approval — slower by a full business day or more even on equivalent files.
- Counterparty diligence — generic 'Prime' branding overlap — Winner: Credibly. Credibly is a single, continuously-operated direct lender with $3B+ deployed and unambiguous brand identity. 'Prime Capital Group' overlaps with multiple unrelated 'Prime'-prefixed funding operators (Prime Capital, Prime Capital Partners, Prime Funding Group, etc.) — extra due diligence required to verify which specific legal entity holds the contract before sharing financials.
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 same as other 'Prime Capital' operators?
- No. 'Prime Capital Group' as a brand is distinct from Prime Capital, Prime Capital Partners, Prime Funding Group, and other 'Prime'-prefixed MCA operators — these are unrelated entities. The 'Prime' branding is generic enough that multiple operators have used variants, sometimes accidentally and sometimes deliberately. Always verify the legal entity on the funding agreement: state of incorporation, federal EIN, signing officer, and explicit confirmation that this is the contracting entity (not a parent or affiliated entity). Name-similarity in the MCA space is a known counterparty diligence concern.
- My broker presented Prime Capital Group at 1.38 factor on a $75K file — should I shop Credibly first?
- Yes, if you meet Credibly's floors (550+ FICO, 6+ months TIB, $15K+/mo revenue). At $75K and A-paper, Credibly will typically quote 1.22 – 1.30 — saving 8 – 16 points of factor (approximately $6K – $12K on $75K). If you have an existing 2nd position and Credibly declines, the more relevant comparison set is Libertas Funding (2nd position specialist with documented contract terms), Greenbox Capital (Priority 1 ISO program), and Cresthill Capital (multi-year broker-channel tenure). All three have stronger public footprints than the generic Prime Capital Group brand.
- Does Prime Capital Group publish a reconciliation policy?
- No public reconciliation policy is documented as of 2026-06-28. At broker-channel originators with thin public footprints, reconciliation language typically exists inside the MCA agreement but practical enforcement is variable. Get specific reconciliation triggers, documentation requirements, and response SLA in writing before signing, or default to a direct funder with a documented reconciliation posture (Credibly, Forward Financing, Everest Business Funding) where reconciliation responsiveness has known public examples.