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MCA / Working Capital

Credibly review.

Credibly is a direct funder offering MCA, working capital, and business expansion loans with quick decisioning.

Loan range
$5K – $400K
Speed
24–48 hours
APR / Fee
Factor rate 1.15 – 1.55
HQ
Southfield, MI · est. 2010
Best for

Established merchants needing $50–250K working capital fast.

Watch out for

Frequent renewal offers can layer cost.

Pros
  • +Fast funding
  • +Multiple product options
  • +Soft credit pull at intake
Cons
  • –Factor-rate pricing not APR-transparent
  • –Aggressive renewal cadence
  • –Daily/weekly debits
Alternatives to Credibly
Rapid Finance
$5K – $1M
National Funding
$10K – $500K
Forwardline Financial
$5K – $750K
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