Alternatives
Credibly publishes a quantified early-payoff discount, which is rare. Its minimums also differ by product — worth reading carefully.
✓ Checking what you qualify for does not affect your credit score.
Quoted from Credibly’s own website. Where a figure carries a qualifier such as “as low as” or “average”, the qualifier is part of the quote.
Same categories, our figures, so the comparison is like for like.
Every figure above is transcribed from current lender guideline documents. See all three tiers →
A simple way to read any funder: what will they put in writing before you apply?
Credibly is one of very few funders in this market that quantifies an early-payoff discount. A 20% reduction of the factor component on a full lump-sum payoff is a real, checkable number, and most factor-rate funders offer nothing comparable.
The thing to read carefully is that its minimums move by product. The homepage says a 500 credit score and $15,000 a month; the merchant cash advance page says 550 and $20,000; the line of credit page says 700 and $20,000. None of those is wrong — they apply to different products — but quoting the homepage figure at yourself can set the wrong expectation.
Against our sheet: we discount early payoff at 30, 60 and 90 days on advance products, and a full early payoff on the term loan takes 50% off the remaining interest.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity — not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
Yes, and it quantifies it: "When you remit your full outstanding balance in a single lump sum, Credibly can reduce the factor (cost) component of your Amount Sold by 20%."
It depends on the product. Its homepage says 500+, the merchant cash advance page says 550 or higher, and the line of credit page says 700+.
Its site states "Most deals have a 2.5% origination fee, but it depends on the product."
Figures were read directly from Credibly’s public website in September 2026. Companies change terms without notice, so confirm anything material with them before you decide.
No, and we will not pretend otherwise — we are one of the options on this page. What we can do is quote the other side accurately and publish our own numbers in the same detail, so you can check both.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
