Business Cash Advance by Credibly

Business Cash Advance by Credibly

Nominated as the “Fastest Merchant Cash Advance” by Fit Small Business, Credibly combines big data and a strong focus on the customer experience to provide up to $250,000 in capital in return for a portion of your future receivables. Because these payments are tied to future sales, you’ll never pay more than you can afford. Their fast funding and flexible repayments are ideal for working capital solutions and are favorable for businesses who experience seasonality. Soft credit pulls only – No collateral required.

Nav's Verdict

75% Complete
Effort to Apply
20% Complete
Funding Speed
20% Complete
Repayment Terms
15% Complete


Bottom Line

Credibly is very comparable to other alternative online lenders. Because of their pre-qualification, you can see if you qualify and then research if it's the best option for you.


Set payments. Pre-qualification, which means you can pre-qualify without hurting your credit.


You must take credit cards, and have at least $2,500 a month in sales from credit cards.

Qualification requirements

Time in Business

At least 6 months in business

Annual Revenue

At least $180,000

Required Documentation

Unexpired government-issued picture ID of all owners, voided check, most recent 3-months of credit card statements, most recent 3-months of bank statements.

1.34 Average Factor Rate
Repayment Terms
Daily debits from your bank account for 3 to 18 months
Funding Amount
$5,000 - $400,000
Origination Fee
Funding Speed
As quickly as 1 business day
Repayment Example
$10,000 (capital amount) x 1.34 (factor rate) = $13,400 (total payback amount)


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