Can a single-location restaurant get into NewCo?

Possibly — if you're doing $100K+/mo. Most independent single-location operators don't hit that bar, which is why Credibly's broader profile fits the majority of restaurants.

Does NewCo offer renewals?

Yes — NewCo and most large MCA funders offer renewals, but commission structures and renewal incentives vary. Always ask up front.

Which one has better B-paper terms?

Credibly. NewCo's floor ($100K/mo, 550+ credit) puts you on the upper edge of B-paper anyway. For true B-paper, Accord and Greenbox are better fits.

NewCo Capital Group vs Credibly — 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

NewCo Capital GroupCredibly

Product typeMCAMulti-product

Amount range$5K – $500K$5K – $600K

Cost (factor / APR)Factor varies by paper; competitive for A-paperFactor 1.11+ (MCA); APR varies (term)

Speed to fundApproval in 3 hours; funding in 24–48 hoursAs fast as 4 hours

Min time in business12 months6 months

Min monthly revenue$100,000$15,000

Min credit score550+550+

Products

MCA
Working capital line

MCA
Working capital LOC
Short-term term loan

Verdicts by use case

Established A-paper merchants ($100K+/mo) — Winner: NewCo Capital Group. NewCo's $100K/mo revenue floor signals an A-paper book. Established merchants often get tighter pricing here.
Smaller or newer merchants — Winner: Credibly. Credibly's 6-month TIB and $15K/mo floor are reachable for most independent operators.
Modern API submission for ISOs — Winner: Credibly. Credibly's API V2 + Cloudsquare integration is the most modern in the market.
Fastest approval — Winner: NewCo Capital Group. NewCo approves in 3 hours; Credibly in 4 hours. Tight win for NewCo on raw speed.
Best for multi-location operators — Winner: NewCo Capital Group. NewCo's profile fits multi-location restaurant groups and high-volume merchants better than Credibly's broader generalist book.

The honest takeaway

NewCo Capital Group and Credibly 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 single-location restaurant get into NewCo?: Possibly — if you're doing $100K+/mo. Most independent single-location operators don't hit that bar, which is why Credibly's broader profile fits the majority of restaurants.
Does NewCo offer renewals?: Yes — NewCo and most large MCA funders offer renewals, but commission structures and renewal incentives vary. Always ask up front.
Which one has better B-paper terms?: Credibly. NewCo's floor ($100K/mo, 550+ credit) puts you on the upper edge of B-paper anyway. For true B-paper, Accord and Greenbox are better fits.