Find Me Funders
Credibly review
What Credibly will tell you before you apply, what it will not, and who that combination suits. Separate from the profile, which is the data record.
The short version
Credibly puts 7 of 9 publishable details on the record, which ranks it 10 of 59 in this directory. It publishes a price for 3 of its 6 products — rare in this market, where 21 of 180 records do.
- Publishes amounts: $5K – $10M.
- Publishes a credit floor of 550, so you can tell before calling whether you clear it.
- States a funding speed of as fast as 4 hours after approval.
- Its business line of credit is the product it documents most fully; its sba loan the least.
Its own pages disagree on the entry criteria: the working capital product page says a $25,000 minimum while the homepage and FAQ say $5,000; credit minimum appears as both 500+ and 550+; revenue as both $15,000 and $20,000 a month. The stricter figure is used here and the conflict is recorded rather than resolved.
What it publishes, product by product
| Product | Amounts | Pricing basis | Published rate | Term | Speed | On the record |
|---|---|---|---|---|---|---|
| Merchant Cash Advance | $5K – $600K | Factor rate | from 1.11x | 3–24 mo | as fast as 4 hours after approval |
|
| Working Capital | Up to $600K | Factor rate | from 1.11x | 6–24 mo | as fast as 4 hours |
|
| Term Loan | $50K – $10M | Not disclosed | Not publicly disclosed | Not disclosed | Not disclosed |
|
| Business Line of Credit | $5K – $300K | Interest rate | 3% – 5% | 3–24 mo | As fast as 4 hours |
|
| SBA Loan | Not disclosed | Not disclosed | Not publicly disclosed | Not disclosed | Not disclosed |
|
| Equipment Financing | $10K – $10M | Not disclosed | Not publicly disclosed | Not disclosed | Not disclosed |
|
A blank rate is a blank rate. Competitors fill these with category averages, and a category average sends you to a lender that will decline you.
What Credibly does not publish
- Where it is based
- How long it has traded
Nothing here is hidden by us — these are the fields Credibly leaves off its own site. Ask for each of them in writing before you sign anything, and treat a refusal to put one in writing as an answer.
No third-party ratings on file
We record ratings only from public profiles we can confirm belong to this lender. None has been confirmed for Credibly, so nothing is shown — an unconfirmed profile is worse than no rating.
How to read this review
- Figures come from Credibly's own published disclosures unless a source below says otherwise.
- "Not disclosed" means the lender publishes nothing. It is not an estimate and not a zero.
- The disclosure score counts what a lender says about itself. It is not a rating of the lender, and a transparent lender can still be an expensive one.
- Customer ratings are the public's view. Anything we conclude is labelled as ours.
- Find Me Funders is free to use. We earn a fee from some funders when a business we refer goes on to receive funding, and a funder can pay for the placement labelled Partner. Neither arrangement changes a listing's published figures, which are taken from each funder's own disclosures, and paid placement is labelled everywhere it appears.
Sources and checks
Every figure on this page traces to a document someone read, on a date. Where a check is past its review date it says so rather than passing as current.
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Credibly publishes a factor rate for working capital
pricing_type"Factor rates as low as 1.11*"; "Terms from 6-24 months"
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Credibly publishes a factor rate for mca
pricing_type"Business financing from $5,000 to $600,000"; "Factor rates as low as 1.11"; "Terms from 3-24 months"
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Credibly publishes a interest rate for line of credit
pricing_type"Business financing from $5,000 to $300,000"; "Monthly interest rate 3-5%**"
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Credibly publishes no pricing for its equipment financing product
pricing_type"Credit lines up to $300,000, long-term loans from $50,000 to $10 million, and equipment financing from $10,000 to $10 million."
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Credibly publishes no pricing for its term loan product
pricing_type"long-term loans from $50,000 to $10 million"
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Credibly publishes no pricing for its sba loan product
pricing_typeSBA loans listed as "Available through partners" with no published terms.
Questions about Credibly
Is Credibly a direct funder or a broker?
Credibly describes itself as a direct funder.
What does Credibly cost?
Credibly publishes a pricing basis on 3 of its 6 product records: Merchant Cash Advance at from 1.11x; Working Capital at from 1.11x; Business Line of Credit at 3% – 5%. Read it as a starting point and get your own quote in writing.
How much can you borrow from Credibly?
Its published range is $5K – $600K.
What does Credibly require to qualify?
It publishes: a minimum credit score of 550; 6 months in business; minimum monthly revenue of $20,000.
How fast does Credibly fund?
It advertises As fast as 4 hours after approval. That is the funder's own claim about its fastest case, not a commitment, and it starts when your file is complete rather than when you first make contact.
What products does Credibly offer?
On record here: Merchant Cash Advance, Working Capital, Term Loan, Business Line of Credit, SBA Loan, Equipment Financing.
How transparent is Credibly?
It publishes 7 of 9 standard facts about itself, which is 78% — publishes most of its terms. The directory median is a useful comparison and is shown on this page.
Where did these figures come from?
Each one traces to a document someone read, on a date, listed at the bottom of this page. Where a figure is absent it is absent here too. Where this page says a figure is not disclosed, it means the lender publishes nothing we could find and cite. It is not an estimate, a category average or a zero. Filling that gap with a guess is how a business ends up applying somewhere it was never going to qualify.
Is Find Me Funders affiliated with Credibly?
No. Find Me Funders is a directory and does not lend, make credit decisions or set terms. Everything here describes what other companies publish about themselves. Find Me Funders is free to use. We earn a fee from some funders when a business we refer goes on to receive funding, and a funder can pay for a placement, which is always labelled. Neither changes a disclosure score, a ranking position or what a page says — scores are computed from published fields, not from commercial relationships.