Credibility Capital is an online business loans marketplace that matches institutional investors to small business owners who need financing. Their investors include banks, hedge funds, and insurance companies. Business owners can apply online for between $25,000 and $350,000 in financing.
Credibility Capital partners with several high-profile organizations, such as Dun & Bradstreet and New York City Small Business Services. Through these partners, they get access to small business owners who are looking for loans, and cross-sell products.
Overall, Credibility Capital business loans are great for established, qualified businesses who are looking for affordable, medium-term financing. These loans are also ideal for businesses who might be able to qualify for a bank or SBA loan, but would prefer a streamlined, online-based process and slightly expedited timeline.
As we mentioned, Credibility Capital offers medium-term loans through their online marketplace platform. Here are the details you can expect with their business financing:
Loan amounts
$25,000 to $350,000
Loan terms
One, two, or three years
Interest rates
8% to 20%
Time in business
24 months
Annual revenue
Currently generating revenue
Credit score
Strong personal credit
On top of meeting these general qualifications, there are a handful of additional criteria you’ll want to keep in mind before deciding to apply for a loan from Credibility Capital:
Credibility Capital does not work with businesses in the following industries:
You’ll need the following to apply for financing with Credibility Capital:
If you’re interested in applying for a business loan from Credibility Capital, you can start the process by filling out an application on their website. Credibility Capital funding can be available in as little as three days, but on average, takes five to seven business days.
Here’s what to expect from the end-to-end loan application process:
Credibility Capital’s initial online application shouldn’t take more than 15 minutes to complete. The form asks some questions around how much business financing you need, how you plan to use the financing, and your estimated credit score. You’ll need to provide information about your business’s ownership, as well.
Once you submit your application, Credibility will screen it to make sure you meet basic eligibility requirements. If you do, they will do a soft pull of your personal credit score (which will not affect your credit) and check your business credit report.
At that point, if your credit history meets Credibility Capital’s eligibility criteria, they will send you an initial offer and request any additional documentation they need—such as bank statements and tax returns.
You can upload documents and view your loan progress in Credibility’s online portal. You’ll also be able to work with a Credibility Capital loan specialist who can advise you through the process and answer any questions you may have.
That said, once they receive all of your documentation, the Credibility risk team will conduct a full credit assessment. Assuming everything looks good, Credibility will provide a final offer and send the loan agreement for you to sign.
When you receive your business loan agreement from Credibility Capital, you’ll see your final loan amount, interest rate, terms, and additional details. Credibility Capital typically approves borrowers for loans equal to 10% to 20% of their total annual revenue.
You’ll want to review your loan agreement carefully and make sure you understand all of the terms and conditions before signing. With that in mind, it’s important to note a few things about Credibility Capital’s financing:
Additionally, before you close on your loan, Credibility will require a brief phone conversation with you as part of their anti-fraud procedures. If you have not yet spoken to a loan specialist, someone will contact you before closing.
Finally, after you’ve signed your loan agreement, Credibility Capital will do a hard credit pull at closing, which can cause your score to drop by a few points. All in all, however, you should be able to get your funds in your business bank account in as little as 24 hours after Credibility receives your bank routing information.
After you receive your loan, you can view statements and your loan balance on Credibility’s online portal.
Your first payment will be due 30 days after closing on the loan. Credibility Capital will automatically debit fixed payments from your business checking account. Debits occur on a monthly basis.
Credibility Capital loans are fully amortizing loans, which means that each payment covers both interest and principal. As you pay down the loan, more money goes toward principal and less toward interest. If you end up paying your Credibility Capital loan early, therefore, you will be able to save on interest and won’t be charged a prepayment penalty.
That said, Credibility doesn’t report loan payments to the consumer or business credit bureaus, so a late payment shouldn’t affect your credit score—on the other hand, though, you also cannot use your loan to build or improve your business credit.
But, if you are late on a payment, Credibility charges a 5% late fee. Additionally, if there are insufficient funds in your account when Credibility tries to debit a payment, there’s also a $35 non-sufficient funds (NSF) fee. Credibility does not charge maintenance or application fees, however.
Finally, your Credibility Capital loan is eligible for renewal after six months of on-time payments for first-time business loans.
Credibility Capital customer service and loan specialists are available via phone and email. You can reach out from Monday through Friday from 9:00 a.m to 6:00 p.m. ET by calling 973-718-9100 or emailing inquiries@credibilitycapital.com.
In addition, once you’ve started your application (or received a loan), you’ll be able to monitor your progress using your online account on the Credibility Capital website.
How do borrowers feel about their experience with Credibility Capital?
Overall, Credibility Capital reviews across the internet are pretty strong.
Although Credibility does not have any customer reviews on the Better Business Bureau website, this small business lender is BBB-accredited with an A+ rating. In addition, Credibility Capital only has one complaint closed on the site in the last three years.
With that in mind, Credibility has an impressive average of 4.8 out of 5 stars on Trustpilot and 5.0 out of 5 stars on Google Reviews (although there are only a few reviews on Google).
In general, here’s what positive reviewers have to say about Credibility Capital:
More negative reviews, on the other hand, tend to focus on the following:
All things considered, however, there aren’t very many strongly negative Credibility Capital reviews. Plus, to Credibility’s credit, representatives respond to those that are posted and try to work with borrowers to resolve their issues.
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Funding Circle | Fundation | OnDeck | Opportunity Fund |
Fundera Score 5
| Fundera Score 5
| Fundera Score 5
| Fundera Score 4
|
Products OfferedTerm loans | Products OfferedTerm loans; lines of credit | Products OfferedTerm loan; lines of credit | Products OfferedTerm loans |
Interest ratesStarting at 4.99% | Interest rates8% to 30% APR | Interest ratesStarting at 29.9% | Interest ratesAPR ranges from 12.15% to 29.97% |
Minimum credit score required700 | Minimum credit score required600; 660 | DisclosureRates based on loans originated in the half-year ending March 31, 2022 | Minimum credit score requiredNo stated minimum |
Minimum credit score required625 | |||
![]() |
Funding Circle |
Fundera Score 5
|
Products OfferedTerm loans |
Interest ratesStarting at 4.99% |
Minimum credit score required700 |
![]() |
Fundation |
Fundera Score 5
|
Products OfferedTerm loans; lines of credit |
Interest rates8% to 30% APR |
Minimum credit score required600; 660 |
![]() |
OnDeck |
Fundera Score 5
|
Products OfferedTerm loan; lines of credit |
Interest ratesStarting at 29.9% |
DisclosureRates based on loans originated in the half-year ending March 31, 2022 |
Minimum credit score required625 |
![]() |
Opportunity Fund |
Fundera Score 4
|
Products OfferedTerm loans |
Interest ratesAPR ranges from 12.15% to 29.97% |
Minimum credit score requiredNo stated minimum |
Credibility Capital is in Fundera’s Lender Network. The Fundera team has carefully vetted Credibility Capital and determined that their offering is one of the best in their product category. When working with Credibility Capital, you can be sure you’re getting transparent, fair pricing on a best-in-class product.
Randa Kriss is a senior staff writer at Fundera.
At Fundera, Randa specializes in reviewing small business products, software, and services. Randa has written hundreds of reviews across a wide swath of business topics including ecommerce, merchant services, accounting, credit cards, bank accounts, loan products, and payroll and human resources solutions.