Working capital loans and merchant cash advances up to $600K — 500+ FICO, 6+ months in business
Get started at Credibly → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Established SMBs with average monthly deposits of $15K+ and 6+ months TIB who need working capital or a merchant cash advance and have credit scores too low for bank-tier products.
Credibly Working Capital Loan — Working capital loans and merchant cash advances up to $600K — 500+ FICO, 6+ months in business Best for: Established SMBs with average monthly deposits of $15K+ and 6+ months TIB who need working capital or a merchant cash advance and have credit scores too low for bank-tier products.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Credibly is a direct lender for its core products — working capital loans and merchant cash advances — which it underwrites and funds from its own balance sheet. For other products (SBA loans, business lines of credit, equipment financing, and long-term loans), Credibly discloses on its site that 'some products are made available through Credibly's network of external funding partners,' meaning those products are facilitated through third-party lenders rather than funded directly by Credibly. When reviewing any offer, confirm which entity is named as the creditor in the loan agreement — that is the actual funding source. ClearValue Lending is not affiliated with Credibly.
Credibly's published minimums for working capital loans are: at least 6 months in business, average monthly deposits of $15,000 or more (based on a 3-month average that includes the most recent month), a FICO score of 500 or above, and revenue deposited into a business bank account. The 500+ FICO floor is lower than most non-bank lenders in this category, which typically require 625–660+. These are published minimums; actual approval depends on the underwriting of your specific business profile. Verify current requirements at credibly.com before applying.
Yes. Credibly is a legitimate business lender headquartered in Southfield, Michigan. It has financed more than 55,000 businesses and deployed over $3 billion in total financing. Credibly holds a 4.8/5 rating on Trustpilot based on verified customer reviews. You can verify its public standing through the CFPB's consumer complaint database at consumerfinance.gov and its BBB profile at bbb.org. ClearValue Lending is not affiliated with Credibly and does not receive compensation from Credibly for this editorial review.
Credibly discloses that factor rates for working capital products start as low as 1.11 for the best-qualified borrowers. Factor rates are not the same as APR — a 1.11 factor rate means you repay $1.11 for every $1.00 borrowed, but the effective APR depends heavily on the repayment term. Use ClearValue Lending's factor rate to APR calculator to convert any quoted factor rate to a standardized APR so you can compare it against other financing options on an apples-to-apples basis.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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