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Credibility Capital business loans review

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A newer short-term lender looking to help more established business owners with good credit.

When you need access to business capital, you have many financing options to pursue — from big banks and other traditional financial institutions to online services that can lead you to lenders willing to take on small businesses.


Min. Amount


Max. Amount


Product NameCredibility Capital Business Loans
Min. Amount$25,000
Max. Amount$350,000
Loan Term1 to 3 years
Requirements$12,500+​ in monthly revenue, ​650+​ credit score, in operation ​24+​ months.

Do I qualify?

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

  • Monthly revenue of at least $12,500
  • Minimum 650 credit score
  • In business at least two years

What is Credibility Capital?

Credibility Capital is an online lending platform founded in 2013 by Brett Baris and Mark Rambler, who were looking to help out small businesses.

Its platform connects qualifying small and medium-size businesses to partnered Credibility Capital investors for short-term business loans of up to $350,000 and with terms of 1 to 3 years .

Credibility Capital may also be able to help you find a term loan, line of credit, SBA loan, equipment financing or invoice financing through one of the lenders in its marketplace.

What makes a Credibility Capital business loan unique?

Credibility Capital is an online lender, which means the process of applying for a loan, having your application assessed and receiving your loan funds takes place without setting foot in a lending office.

Borrowers report that Credibility Capital’s service is simple and easier than applying for a loan with a traditional lender. If your application is approved, you could receive funds in your bank account within 24 hours.

What are the benefits of a Credibility Capital business loan?

From its fast turnaround to its variety of funding options, here are a few perks of borrowing from Credibility Capital:

  • Potential for multiple offers. If you don’t qualify for in-house funding, you could be connected to lenders willing to provide you a loan.
  • Fast turnaround. Unlike traditional lenders that can take weeks to process your application, Credibility Capital approves and delivers funds in less than a week.
  • No prepayment fees. Many lenders charge a fee for early loan repayment. With Credibility Capital, you can repay your loan before your loan term is up with no hidden costs or penalties.

What to watch out for

Consider these potential drawbacks before taking out a business loan from Credibility Capital:

  • Strong credit only. You need to have a credit score of at least 650 to qualify for funding through Credibility Capital.
  • Not for startups. If your business hasn’t been around for at least two years, you won’t have much luck with this lender.
  • Your business is collateral. Loans are secured through a UCC-1 filing placed on your business — which means if you default, you’re at risk of losing your business.
  • Requires autopay. Loans require automatic monthly loan repayments. But they include both interest and principal, keeping repayments on track.

Compare business loans from top lenders

Updated December 12th, 2019
Name Product Filter Values Min. Amount Max. Amount Requirements
LoanBuilder, A PayPal Service Business Loans
Annual business revenue of at least $42,000, at least 9 months in business, personal credit score of 550+.
Customizable loans with no origination fee for business owners in a hurry.
OnDeck Small Business Loans
600+ personal credit score, 1+ years in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Efundex long-term business loans
2+ years in business, 620+ credit score, not a sole proprietorship or nonprofit, strong financial history
Financing for high-risk industries with transparent rates and terms.
National Business Capital Business Loans
Your company must have been in business for at least 6 months and have an annual revenue of at least $100,000.
Get a large business loan to cover your financing needs, no matter what the purpose is. Startups welcome with 680+ credit score.
Kabbage Small Business Line of Credit
1+ years in business, $50,000+ annual revenue or $4,200+ monthly revenue over last 3 months
A simple, convenient online application could securely get the funds you need to grow your business.
LendingTree Business Loans
Varies by lender and type of financing
Varies by lender and type of financing
Varies by lender, but many require good personal credit, minimum annual revenue and minimum time in business
Multiple business financing options in one place including: small business loans, lines of credit, SBA loans, equipment financing and more.
Lendio Business Loan Marketplace
Must operate a business in the US or Canada, have a business bank account and have a personal credit score of 560+.
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.

Compare up to 4 providers

Am I eligible?

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

  • Monthly revenue of at least $12,500
  • Minimum 650 credit score
  • In business at least two years

How do I apply?

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’ve been given a prequalification offer.

I got a Credibility Capital business loan. Now what?

To ensure you don’t hit any stumbling blocks in the process of using and repaying your loan:

  • Carefully allocate your funds. Now that your business has access to the capital it needs to grow, decide how you’d like to direct your funds. Whether it’s purchasing equipment, securing real estate or hiring new talent, make sure that you allocate your funds wisely.
  • Keep up with monthly payments. Credibility Capital loans are repaid in fixed monthly amounts. Payments are withdrawn automatically, so you just ensure that your monthly loan payment is waiting to be withdrawn each month. Remember that your loan is secured, which means defaulting on a payment could put your business at risk.

Bottom line

Credibility Capital offers short-term business loans to borrowers looking to fund or expand their business goals. While applying and turnaround is quick, this lender is looking for high credit scores from its applicants and offers loan terms of up to three years only.

If your credit is shaky or you’re trying to fund a startup, look into other business loans that might better contribute to your bottom line.

Frequently asked questions about Credibility Capital

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