The Credibly advantage

Credibly customizes financing solutions to meet your short-term needs and help you reach your long-term goals. Our wide range of products and our intuitive process ensures that you’ll get the right-sized capital solution, exactly when you need it.

Right-sized capital

Ideal funding amounts for your unique situation.

Grow, don't just owe

Fast, flexible financing, tailored to your business goals.

Customer experience

Frictionless, transparent service, focused on your growth.

Why Credibly?

When you need financing to grow your business you don’t have time to jump through the hoops of obtaining a traditional bank loan. You want a simple process and flexible access to capital. You want to be treated like a partner, not a transaction.

Welcome to Credibly.

A faster, simpler financing experience

Credibly provides a faster, simpler financing experience for small and medium-sized businesses. With the ability to access up to $400,000 and flexible repayment or remittance options, our business loans are truly customized to your specific needs.

Focused on the working capital needs of small businesses

It’s not just about securing the capital you need right away; it’s about doing it the right way. At Credibly, we work directly with you to personalize a business financing option that meets your short-term needs and helps you achieve your long-term goals. That way, we can ensure that you receive the best capital solution exactly when you need it.

Customer service that is second to none

At Credibly, we call our funding experts the Customer Success Team because their goal is your success. Whether you want to purchase new equipment, expand your business, or create a new marketing strategy, our experienced, friendly professionals are available to help you throughout every step of the process.

Easy application, quick funding

Our fast and flexible financing options and best-in-class customer support make Credibly a leader in online lending for small business. Applying is quick and easy—just provide some basic business information and we’ll help you understand what you qualify for. 

Once you’re approved, review your offer—either through our state-of-the-art online checkout process, or with a financing advisor—and get the funds deposited in your account in as soon as 24 hours.

Driven by data science

Many companies either use “big data” or focus solely on traditional factors such as credit scores to make their decisions on your eligibility for working capital. We think both can be useful for lending, but each has shortcomings when used alone and we’ve proven that we can do better. Credibly uses what we call Findata™—combining certain traditional measures of credit-worthiness with a proprietary, rapid evaluation of external data to create an efficient, optimized, and flexible approach to small business funding.

Bank Loans
Credit Cards
SBA Loans
Funding Range
Credit dependent
Credit dependent
Pre-qualify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Prequalify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Approval Time
Less than 4 hours
Less than 30 Days
Time to Funding
Same day from approval
2-3 Months
7-10 Business days
60-90+ Days
Approval Criterias
Overall business health
Credit score and collateral
Credit score
Credit score and collateral

Speak to a loan expert