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Credibility Capital business loans review

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Investor-funded financing for established business owners with good credit.

  • Best for established businesses that have struggled to qualify for bank funding.
  • Pick something else if your business is still in the startup phase.

$25,000

Min. Amount

$350,000

Max. Amount

Details

Product NameCredibility Capital business loans
Min. Amount$25,000
Max. Amount$350,000
Loan Term12 to 36 months
Min. Credit Score650
APR8% to 20%
RequirementsAt least 2 years in business, generating revenue, US citizen, strong credit, no bankruptcies in past 5 years, not located in NV, ND, SD or VT.

Expert review

Anna Serio

Review by


Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Credibility Capital is a platform that can connect small business owners with institutional investors — like banks, hedge funds, insurance companies and family offices — and online lenders. It specializes in helping established businesses with good credit that have struggled to qualify for loans from banks.

You might get a more streamlined application process than applying directly through one of these institutions, with a turnaround of about four business days. But it doesn’t fund loans directly, and businesses that are eligible for this loan may be able to find more competitive rates elsewhere.

Credibility Capital can connect your business with PPP lender

If your business has struggled to qualify for PPP funding, Credibility Capital might be able to help you find a bank that’s willing to work with you. You can still apply for a non-PPP loan, but it’s directing all applications for non-PPP loans to its partner, Fora Financial.

Read about other options available to your business by reading our guide to financial assistance during COVID-19.

How much will this loan cost me?

Credibility Capital loans come with rates that start at 8% APR. This includes an origination fee of 3% to 5% of the loan amount, which is typically wrapped into your loan.

Loan amounts range from $25,000 to $350,000, with terms of 1 year to 3 years. Use the calculator below to see how much a loan from Credibility Capital’s partners might cost your business.

Business loan calculator

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How it works

You typically need to have several years in business, positive cash flow and a personal credit score of around 760 or higher to get that 8% APR and 3% fee from Credibility Capital’s partners. Your business needs the cash flow to support repayments on the loan amount and term you apply for.

What do I need to qualify?

To qualify for a loan from Credibility Capital, you and your business need to meet the following criteria:

  • In business at least two years
  • Generating revenue
  • Strong personal credit — typically this means over 650
  • US citizen
  • No personal or business bankruptcies in the past five years
  • Not located in Nevada, North Dakota, South Dakota or Vermont

What information do I need to apply?

Have the following information on hand when you fill out your application:

  • Business tax identification number
  • Social Security number
  • Personal contact information
  • Business demographic details

What industries does Credibility Capital work with?

Credibility Capital doesn’t specify what types of industries it does or doesn’t work with. But it has relatively tight requirements for an online connection service. It likely doesn’t work with high-risk industries, like insurance or gambling.

Pros and cons

Credibility Capital can be helpful to businesses that have struggled to qualify for a loan. But it also comes with some drawbacks.

Pros

  • Streamlines investment house loan application
  • Also offers funding from online lenders
  • No prepayment penalties

Cons

  • Requires two years in business
  • Only offers loans from $25,000 to $350,000
  • Permanent residents can’t qualify

See other top business loan options

Data indicated here is updated regularly

Name Product Filter Values Loan amount APR Requirements
First Down Funding business loans
$5,000 – $300,000
Fee Based
At least 1 year in business, an annual revenue of $100,000+, and a minimum credit score of 400
Alternative financing up to $300K with highly competitive rates.
Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.
OnDeck small business loans
$5,000 – $250,000
As low as 9.99%
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Rapid Finance small business loans
$5,000 – $1,000,000
Fee based
Steady flow of credit card sales, bad credit OK
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Compare up to 4 providers

Is Credibility Capital legit?

Yes, Credibility Capital is a legitimate connection service — though it’s not a lender. It uses a secure connection on all of its web pages to protect your information. And you can find out how and when it shares your information by visiting its privacy policy.

However, using a service like Credibility Capital means that you’re agreeing to let it share your information with its partner lenders. Each has its own privacy policies, which you might not be able to see until after you apply.

Credibility Capital reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 8 customer reviews
BBB customer complaints 5 customer complaints
Trustpilot Score 4.1 out of 5 stars, based on 538 customer reviews
Customer reviews verified as of 12 October 2020

Credibility Capital only gets a few customer reviews — but what’s there is mostly positive. Many customers state they’re happy with their experience with customer service. But some express frustration over not realizing that Credibility Capital isn’t a direct lender until after they’d submitted their information.

How do I sign up?

You can get connected with one of Credibility Capital’s partner investors.

  1. Go to Credibility Capital’s website.
  2. Once you’re on Credibility Capital’s page, click Check options.
  3. Follow the directions to provide information about the type of loans you’re interested in, as well as information about yourself and your business.
  4. Read the terms and conditions, before submitting your application.

What happens after I sign up?

After assessing your application, Credibility Capital will notify you of any additional documentation it might require.

You should hear back from a loan specialist within a few hours of submitting your online application. You can also follow up by email or phone on weekdays from 9 a.m. to 6 p.m. ET.

If you’re approved for a loan, you’ll need to provide Credibility Capital with your bank routing information to receive your funds.

What documents do I need to apply?

To save time, gather together the information you’ll need to apply with Credibility Capital:

  • Business tax identification number
  • Social Security number
  • Personal contact information
  • Business demographic details

You typically won’t need to provide business financials until after you’re given a prequalification offer.

How do repayments work

Credibility Capital’s partners offer loans with fixed monthly repayments. Your business is automatically enrolled in autopay, so you don’t need to log in to your account to make a repayment.

If you have any questions about your loan, reach out to the customer service number in your loan contract. Since Credibility Capital isn’t a direct lender, its representatives likely won’t be able to help you with any repayment issues.

See how Credibility Capital holds up to the competition by reading our guide to business loans.

Frequently asked questions about Credibility Capital

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