• What types of financing do you offer?

    We offer installment loans and lines of credit. With a Credibility Capital Installment Loan, we provide you with funds at closing, and you repay the loan with fixed, equal monthly payments over the loan term. An installment loan may be your best option if you need money today to expand your business, consolidate or refinance debt, or purchase equipment.

    With a Credibility Capital Line of Credit, we provide a flexible financing commitment that you can draw on at any time over the next 2 years, with repayment required over the subsequent 3 years. A line of credit may be your best option if you need working capital to purchase inventory, or manage a mismatch in the timing of your costs and revenue.

    See our Financing Options for more information.

  • How does the application process work?

    You apply through a fully digital process, and we can approve and fund your loan in as little as 3 days. Once you submit your application and some bank statements, we can provide a preliminary decision within minutes. If you qualify, we will request a few additional documents so we can complete our underwriting for final approval. Once you’re approved and you sign a loan agreement, we fund the loan.

  • Who needs to apply?

    A business owner with at least 25% ownership of the business must complete our application.

  • What documents do I need to provide for loan approval?

    We require 6 months of bank statements, 2 years of business and personal tax returns, and year-to-date financial statements. Only the 6 months of bank statements are required to determine initial eligibility.

  • Do you require a hard or soft credit pull?

    We complete a soft credit pull when you initially apply, so your credit score won’t be affected. We complete a hard credit check at the end of the loan closing process, right before funding.

  • Is the loan secured with collateral?

    The loan is secured by a blanket UCC lien filing on the business, and a personal guarantee by each owner of at least 25% of the business. This is standard practice across the industry.

  • How quickly will I receive funds?

    We can typically approve and fund a loan within 3 to 5 business days of receiving an application and all documents.

  • What fees do you charge?

    We charge a fee at closing of your Credibility Capital Installment Loan or Credibility Capital Line of Credit. We never charge prepayment fees, or draw fees on the Line of Credit. The Line of Credit has a $300 annual maintenance fee during the 2-year draw period only.

Request support


If you have other questions, we are always glad to help. Please reach out to us through LiveChat or email, or select Contact us below.

Contact us
  • Email