TL;DR
Credibly ranks #1 in our 2026 funder ranking. Best for established merchants (12+ months, $25k+/mo) wanting fast funding with transparent pricing. The strength: March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. The watch-out: The 1.
Credibly rate card 2026
| Category | MCA + multi-product |
| Best for | Modern API, transparent A-paper terms |
| Amount range | $5K – $600K |
| Cost (factor / APR) | Factor 1.11+ (MCA); APR varies for term + LOC |
| Speed to fund | As fast as 4 hours |
| Min time in business | 6 months |
| Min monthly revenue | $15,000 |
| Min credit score | 550+ |
The strength — what Credibly does better than anyone
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out — what Credibly doesn't put in marketing
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Who Credibly is best for
Established merchants (12+ months, $25K+/mo) wanting fast funding with transparent pricing.
Who shouldn't apply
Merchants ranking solidly above Credibly's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Credibly actually makes sense.
How Credibly compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Credibly (this funder) | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
| Fundbox | LOC | Weekly fee structure; APR-equivalent typically 30–60% | As fast as 1 day |
What to ask Credibly before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Credibly a direct funder or a broker?
- Credibly is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Credibly will fund?
- Credibly's published floor is $15,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Credibly fund?
- Credibly's public speed quote is As fast as 4 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Credibly or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Credibly, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Credibly's biggest weakness vs alternatives?
- The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Head-to-head: Credibly vs alternatives
Side-by-side comparisons with rate cards, use-case verdicts, and FAQs for picking between Credibly and the closest alternatives in our 2026 ranking:
Head-to-head
Credibly vs Bluevine
See the comparison →
Head-to-head
Credibly vs OnDeck
See the comparison →
Head-to-head
Credibly vs Greenbox Capital
See the comparison →
Head-to-head
Credibly vs Accord Business Funding
See the comparison →
Related reading
- The full 2026 ranking of 10 MCA funders — where Credibly sits and why.
- How factor rates actually work — the math behind Factor 1.11+ (MCA).
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.