Quick answer
Credibly's published minimums are 6 months in business, $15,000 average monthly revenue, and 550+ FICO. Multi-product means more flexibility than single-product funders — if you don't fit MCA, you might fit working capital LOC or term loan. Documents: 3-6 months bank statements, voided check, driver's license, EIN. Approval in 4-24 hours for clean files.
Full answer
Credibly's published underwriting box: minimum 6 months operating, $15,000 average monthly revenue, 550+ FICO credit score. These are the BASE requirements — actual approval depends on bank statement quality and product fit.
Multi-product flexibility: if you don't qualify for MCA (e.g., short TIB), you might qualify for working capital LOC (different underwriting) or short-term term loan. Credibly's multi-product structure gives more chance of approval than single-product MCA funders.
Documents required: 3-6 months business bank statements (most important — they want consistent daily deposits, low NSF count), voided business check, driver's license for majority owner, EIN. Optional but helpful: POS or accounting export for restaurants/retail.
Approval timeline: clean files (consistent revenue, no NSFs, no current MCAs) approve in 4-24 hours via their Cloudsquare-integrated platform (March 2026). Files needing extra documentation: 1-3 business days. Funding follows approval within 24 hours via ACH.
Industry acceptance: broader than many MCA funders. Will fund construction, trucking, auto repair, restaurants, retail, services. Some industries (e.g., financial services, marijuana-related) excluded — verify before applying.
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.