Can a trucking carrier use both TBS factoring and Credibly MCA?

Yes — they're structurally different products against different revenue streams. TBS factors freight invoices (advances against work already done); Credibly MCA is a future-receivables purchase against bank deposits. Carriers regularly use both: TBS for working capital on weekly freight, Credibly for one-shot equipment down payments or bonuses. The combined cash-flow load is manageable because TBS isn't a daily ACH debit.

Which is cheaper for a 5-truck fleet doing $100K/mo in freight?

TBS factoring at $100K/mo volume typically quotes 1.5 – 2.5% factor = $1.5K – $2.5K/mo in factoring fees on revenue. Credibly MCA on a $100K advance at 1.25 factor over 9 months = $25K total cost = $2.8K/mo equivalent. Factoring is structurally cheaper for ongoing cash flow; MCA is structurally fit for one-shot lump sums. They're not substitutes — they solve different problems.

Does Credibly fund trucking businesses at all?

Yes — Credibly funds trucking with 6+ months TIB, $15K+/mo revenue, 550+ FICO. The MCA structure (daily/weekly ACH against bank deposits) works for established multi-truck fleets with consistent revenue. New-authority single-truck operations are usually better served by factoring (TBS, Apex, RTS, OTR) than by MCA.

Credibly vs TBS Factoring Service — 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

CrediblyTBS Factoring Service

Product typeMulti-productMulti-product

Amount range$5K – $600K$500 – $5M+ in invoices factored (no hard cap)

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor rate 1.5 – 5% of invoice value (volume-tiered; lower at higher monthly factored volume)

Speed to fundAs fast as 4 hoursSame-day funding on verified invoices (often within 4 hours)

Min time in business6 months0 months

Min monthly revenue$15,000Volume-based (typically $10K+/mo factored); accepts new-authority MC carriers

Min credit score550+No FICO floor — underwrites against broker / shipper credit, not carrier credit

Products

MCA
Working capital LOC
Short-term term loan

Freight factoring (recourse standard, non-recourse optional)
Fuel card with TA/Petro discounts
Free broker credit checks
Dispatch and back-office services

Verdicts by use case

Trucking carrier with steady freight invoices and NET 30+ payment terms — Winner: TBS Factoring Service. TBS Factoring is purpose-built for trucking — same-day funding on verified loads, free broker credit checks, fuel card with TA/Petro discounts, no FICO floor. Credibly's MCA is bank-statement-based and isn't structured for invoice-by-invoice freight cash flow.
Trucking carrier wanting a lump-sum advance for equipment or driver bonuses — Winner: Credibly. Credibly MCA delivers a single lump sum ($5K – $600K) for one-shot capital needs (equipment down payment, driver retention bonuses, repair-shop balance). Factoring funds per-invoice and doesn't fit one-shot lump-sum use cases.
New-authority MC carrier (0 – 90 days) — Winner: TBS Factoring Service. TBS accepts new-authority MC carriers from day one (0 months TIB). Credibly requires 6+ months TIB. For new-authority operations, TBS factoring is structurally available where Credibly isn't.
Cheapest effective rate at scale — Winner: TBS Factoring Service. TBS factor rate compresses to 1.5 – 2.5% per invoice at $50K+/mo factored volume — equivalent to roughly 18 – 30% APR-equivalent. Credibly MCA at 1.20 – 1.30 factor on a 6 – 9 month payback equates to 50 – 100%+ APR-equivalent. Factoring is structurally cheaper for trucking cash-flow needs.
Trucking carrier with significant non-freight revenue (warehousing, repair shop) — Winner: Credibly. TBS only factors freight invoices. A trucking business with additional revenue streams (warehousing, repair shop, brokerage) needs working capital against the full business — Credibly's bank-statement underwriting captures total revenue, not just freight invoices.

The honest takeaway

Credibly and TBS Factoring Service 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

Can a trucking carrier use both TBS factoring and Credibly MCA?: Yes — they're structurally different products against different revenue streams. TBS factors freight invoices (advances against work already done); Credibly MCA is a future-receivables purchase against bank deposits. Carriers regularly use both: TBS for working capital on weekly freight, Credibly for one-shot equipment down payments or bonuses. The combined cash-flow load is manageable because TBS isn't a daily ACH debit.
Which is cheaper for a 5-truck fleet doing $100K/mo in freight?: TBS factoring at $100K/mo volume typically quotes 1.5 – 2.5% factor = $1.5K – $2.5K/mo in factoring fees on revenue. Credibly MCA on a $100K advance at 1.25 factor over 9 months = $25K total cost = $2.8K/mo equivalent. Factoring is structurally cheaper for ongoing cash flow; MCA is structurally fit for one-shot lump sums. They're not substitutes — they solve different problems.
Does Credibly fund trucking businesses at all?: Yes — Credibly funds trucking with 6+ months TIB, $15K+/mo revenue, 550+ FICO. The MCA structure (daily/weekly ACH against bank deposits) works for established multi-truck fleets with consistent revenue. New-authority single-truck operations are usually better served by factoring (TBS, Apex, RTS, OTR) than by MCA.