What Credibly publishes
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.
What we publish
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 →
Published versus withheld
A simple way to read any funder: what will they put in writing before you apply?
How the two actually differ
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.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
Does Credibly offer an early payoff discount?
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%."
What credit score does Credibly require?
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+.
What fee does Credibly charge?
Its site states "Most deals have a 2.5% origination fee, but it depends on the product."
How current is this comparison?
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.
Is this an independent review?
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.