# Credibly Review

> Credibly is an online lender that directly provides working capital loans and merchant cash advances, and facilitates other products such as lines of credit, equipment financing, and SBA loans through partners. It's a fit for businesses that need cash quickly and may not meet a bank's credit or time-in-business thresholds. Terms and pricing vary by profile and can change over time.

## Key takeaways
- Credibly is a direct lender for working capital loans and merchant cash advances, and facilitates lines of credit, equipment financing, long-term loans, and SBA loans through partners.
- Its accessible credit and time-in-business requirements and light documentation make it a fit for newer or lower-credit businesses needing fast cash.
- Short-term and MCA costs run higher than banks or SBA loans, repayments are often daily or weekly, and an MCA is a purchase of future receivables, not a loan.

## Credibly at a glance

Credibly is an online lender focused on **fast, accessible working capital**. It
directly funds working capital loans and merchant cash advances, and connects
businesses to other products — lines of credit, equipment financing, long-term
loans, and SBA loans — through its partner network. The application is light
(typically a financing application plus a few months of business bank statements),
and decisions can come within hours.

### What Credibly offers

- **Working capital loans** — a lump sum repaid over a short term, usually with
  daily or weekly payments. Good for steady-revenue businesses covering operating
  costs.
- **Merchant cash advances** — an upfront sum in exchange for a fixed share of
  future revenue, remitted daily or weekly. Note that an MCA is a purchase of
  future receivables, not a loan.
- **Partner products** — lines of credit, equipment financing, long-term loans,
  and SBA loans offered through Credibly's network.

### Who it's best for

Credibly fits **newer or lower-credit businesses** that need money quickly and
may have been turned down by a bank. Its requirements are more forgiving than many
lenders', emphasizing recent bank-account activity over a long credit history. If
you have strong credit and can wait, a bank or SBA loan will almost always be
cheaper — and if you need a longer-term, larger loan, the partner products are
worth comparing.

### How to decide

Speed and easy approval come at a cost: short-term loan and MCA pricing runs higher
than a bank's, and repayments are often daily or weekly. With an MCA in
particular, understand that it's not a loan and compare the total cost carefully.
The simplest way to weigh it is to apply once through Hoss Capital — we'll match
you with Credibly and comparable lenders so you can compare the real numbers side
by side.

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Canonical: https://hoss-capital.pages.dev/lenders/credibly/

Sources:
- https://www.credibly.com
- https://www.credibly.com/working-capital-loans/
- https://www.credibly.com/resources/faq/