Credibility Capital


Credibility Capital is a technology-enabled platform that provides fair, affordable funding to help small businesses grow and succeed. We offer qualified small businesses fully amortizing term loans ranging from $10,000 to $350,000 that are paid in fixed monthly payments over 1, 2 or 3-year terms at rates starting at 7.99%. We charge no prepayment penalties or other hidden fees. We also offer access to a complementary set of financing products through our curated partner network including: short-term loans, lines of credit, SBA loans, startup capital, equipment financing and invoice financing.

Credibility Capital has an A+ rating from the Better Business Bureau ad is a signatory of the Small Business Borrowers’ Bill of Rights.

Loan Features

In today’s banking environment, obtaining financing can be difficult for a majority of these businesses, even for those with good credit histories and strong balance sheets. Our platform matches businesses with institutional investors to fund loans ranging from $10,000 to $350,000.

We also provide access to a comprehensive set of financing products including short-term loans, SBA loans, equipment financing, lines of credit, startup funding and invoice financing. Our investors include banks, hedge funds, family offices, and insurance companies with an appetite for current income that are making substantial allocations to this asset class. Borrowers are sourced directly by our partners such as Dun & Bradstreet.

Application Process

To see what business financing products may be available to your business, go to the “Borrow” page and simply answer a few questions. It takes just seconds to check eligibility. From there you can apply online for the right product for your business in just 5 minutes and funding can be available within as little as 3 days.

To complete the online application, you’ll need:
Your company’s Tax Identification number
Total revenue for last 12 months
Social Security Number

18 months in business
Currently generating revenue
Business owner has strong personal credit and is a U.S. citizen
No commercial or personal bankruptcies within the last 5 years
Business is not located in Nevada, North Dakota, South Dakota, or Vermont

After reviewing your Credibility Capital loan application, we may request additional documentation to supplement your application. Documentation requirements vary by industry and individual, and will include bank statements for the previous six months and/or tax returns for the previous two years. Your loan specialist will advise if any additional documentation is needed. If you are approved for a Credibility Capital term loan, the funds could be be deposited into your business bank account within 24 hours of receiving your bank routing information.

Repayment Terms

Loans range from $10,000 to $350,000
1, 2, and 3-year fully amortizing loans which are paid back monthly
Rates start at 7.99%
No prepayment fees

Customer Support

+1 212-581-2352

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