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Credibly

Listed
Broker and lender for working capital loans and revenue based financingTroy, MichiganBased in Michigan; service area not yet provided
View Credibly on Best Business Loan Brokers →View 1 loan officer at this lender ↓
BBLL 000068Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Credibly offers direct working-capital funding and receivables purchases, alongside financing from partners. Eligibility, costs and repayment obligations differ by product.

Online lender. Takes applications and makes credit decisions online.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

Financing they offer

Working capital loansRevenue based financingBusiness lines of creditEquipment financingTerm loans

Some products may be arranged through other lenders.

Professional servicesMedical and dentalRestaurantsRetailTrucking and logisticsConstruction
From the lender's own site and public records.

A second look at Credibly

Credibly offers direct working-capital funding and receivables purchases, alongside financing from partners. Eligibility, costs and repayment obligations differ by product.

Official FAQ identifies working-capital loans and MCAs as directly provided; equipment, lines of credit, long-term and SBA financing are offered through partners.

Published by Levr, not by Credibly. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Working capital loan

Funding route
Direct provider per FAQ; confirm contracting entity in agreement
Published amount
$25,000 to $600,000
Repayment
6 to 24 months. daily / weekly payment options; confirm your offer.
Published program requirements
Months in business: 6; Monthly bank deposits (USD): 20,000; Credit score: 550; Business location: US; Business bank account required: yes.
Eligibility discrepancy to confirm
The product body lists 550 FICO and $20,000 monthly bank deposits, while its general footer lists 500 and $15,000 monthly revenue. Ask which criteria apply to your application.
Pricing
Advertised factor rate from 1.11; most deals include 2.5% origination fee. Factor rate is not APR.

Provider sources: Working capital loan official program · Provider role and program disclosures

Merchant cash advance

Funding route
Direct purchase of future receivables; not a loan
Published amount
$5,000 to $600,000
Repayment
Estimated duration of 3 to 24 months assuming consistent sales; not a fixed loan maturity..
Published program requirements
Months in business: 6; Monthly revenue (USD): 20,000; Credit score: 550; Business location: US.
Pricing
Advertised factor from 1.11; daily or weekly ACH.
Security
Page states no collateral or personal guaranty; future receivables secure the advance. Confirm agreement obligations.
Early payoff
Advertised 20% discount on factor-cost portion only, conditional on agreement, timely history and no default.
Sales reconciliation
Request a credit when actual monthly sales fall below projections; not an automatic real-time reduction.

Provider sources: Merchant cash advance official program · Provider role and program disclosures

Business line of credit

Funding route
External funding partners
Published amount
Up to $300,000
Repayment
3 to 24 months. weekly / monthly payment options; confirm your offer.
Published program requirements
Months in business: 6; Monthly bank deposits (USD): 20,000; Credit score: 700; Business bank account required: yes.
Amount discrepancy to confirm
Provider pages show different minimum borrowing amounts. Confirm the minimum with the actual funding partner.
Pricing
Product page quotes monthly interest of 3–5%; do not label as annual rate or APR. Draw or other fees may apply.
Security
Personal guaranty may be required.

Provider sources: Business line of credit official program · Provider role and program disclosures

Equipment financing

Funding route
External funding partners
Published amount
Ask the funding partner for the approved range.
Published program requirements
Monthly bank deposits (USD): 25,000; Business location: US; Business bank account required: yes.
Eligibility discrepancy to confirm
Official equipment pages differ on credit score and required business age. Confirm the current partner criteria in writing; no single cutoff is established here.
Pricing
A complete program-specific rate and fee schedule was not established by the sources reviewed. Ask for the full written pricing; do not substitute pricing from another product.
Equipment scope
new equipment, used or refurbished equipment, private-party purchases mentioned on product page

Provider sources: Equipment financing official program · Provider role and program disclosures

When it may fit

Our assessment of the published programs

  • A business with at least six months of operations seeking short-duration working capital may have a relevant direct product to investigate.
  • Borrowers considering several product types should distinguish direct funding from partner referrals.

What to weigh carefully

  • Daily or weekly fixed payments need a cash-flow stress test.
  • Quoted factor pricing and origination fees require a full total-cost calculation.
  • Official eligibility inconsistencies make written confirmation especially valuable.

Questions before you accept an offer

  1. Which legal entity funds and services this exact offer?
  2. Which product am I being offered: a loan, receivables purchase or partner financing?
  3. What are net proceeds, all fees, total repayment and the payment schedule?
  4. Which published credit/revenue minimums apply to my program?
  5. For an MCA, how do I request reconciliation and what documentation is needed?
  6. Does early payment reduce the cost, and under what conditions?
  7. Is this product available in my state and are liens or guarantees required?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

National Funding

Compare working-capital structures, state availability and total repayment.

Kapitus

Compare multiple program types and the actual funder behind an offer.

The lender

Type
Online lender
Legal name
Retail Capital LLC
Founded
2010
Charter
Not yet provided Add it
Headquarters
Troy, Michigan
Service area
Based in Michigan; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
credibly.com
LinkedIn
Company page

Loan officers at this lender (1)

Each loan officer here has a profile of their own.

MJ
Minyang JiangListedChief Strategy Officer
Loan officer. Listed from public records. Details fill in when Minyang claims the profile.
Unclaimed

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