in partnership with

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Welcome Happy Tax customers!

Credibility Capital offers transparent, fully amortizing term loans up to $350,000 that are paid in fixed monthly payments over 1, 2 and 3-year terms. Rates start at 8% and there are no prepayment penalties or other hidden fees.

We've partnered with industry leaders

Quick, Easy Process


Submit a short online application and let us do the rest. Decisions are made quickly and funding can be available within days.  Interest rates and APRs are spelled out clearly so you can focus on growing your business.

If you wish to speak to a dedicated loan specialist directly, please call (973) 718-9100 Monday–Friday, 9am-6pm EST.

Note: To check your rate, Credibility Capital performs a "soft" personal credit inquiry as part of our commercial underwriting process. Soft inquires DO NOT affect personal credit scores.


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“The team was well-informed and extremely helpful. The security during the transaction was excellent — the process was streamlined and without difficulty. I can highly recommend them.”

- Lise H, Owner, Hudson Family Law

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“Professional — easy to apply and get funded. Great company to work with.”

- JiM F., owner, kj tax & Accounting

“Really great experience with thoughtful customer service!”

- Jordan Z., owner, Incline Cider Company

“The entire loan process was straightforward! My business received the funds we needed. My loan officer, Devin, kept me up to date throughout the whole process. I highly recommend Credibility Capital to any small business owner in need of funding. Thank you, Credibility Capital!”

- Eric G., Owner, simply done tech solutions

“Credibility Capital worked hard to get us the financing we needed to expand our business!”

- Sandy Elder, Owner, J & B Log & Lumber LLC

“I contacted Credibility Capital on a Monday. Gabriel called me back that same day and told me which documents he would need to get started. I turned those in, and was told I would need a few more documents. I turned those in the next day. I received funding on Thursday. They are thorough but quick!”

- Estevan Perez, Owner, Invisishield, LLC

“Excellent and efficient!”

- Dr. Mary Cresseveur-Reed, owner, Mary Cresseveur-Reed, D.D.S., LLC

“Over the past 5 years, I've gotten loans from several different funding companies, and by far, without a doubt, Credibility is the best to work with. They are professional, with more of a genuine, personal touch. They have helped me twice now, and both times were quick and easy. Melina is great to work with!”

- Mark DeStefano, Owner, Pedego Rhode Island

"I have received many types of loans and advances over my 15 years in retail, and this is by far the best experience I have had. The people at Credibility actually want to help, and do not make you feel as if they are doing you a favor. Gabe Skaarland is my point person and he is professional, courteous and kept me in the loop at every step. I would absolutely recommend (and have) this company to anyone who needs a fair and fast loan. Thanks everyone!"

- anthony, Owner, candle delirium

"Very smooth experience. I had 5 bait and switch offers from competitors over a 3 week period . I borrowed money a few years ago and knew it shouldn't have to be this difficult. In the 11th hour I contacted Credibility Capital (from a recommendation from Nerdwallet ). The terms and qualifying amounts were exactly as they said. Mya could not have been more straightforward and professional."

- Randy, OWNER, fann mechanical co.

"Superb service, simple process, lightning-fast funding. Too bad all businesses aren't run like this."

- John, Owner, Vibe Kayaks LLC

"Credibility Capital was extremely professional. I cannot say enough great things about them. I would recommend them to any small business owner looking to grow their business."


"Credibility Capital made the process straightforward with no hoops to jump through. It was almost too good to be true except it was true."

- Robert, owner, village spirits llc

"Thank you for all your help and quick response to processing our loan. We look forward to working with you again in the future - it is good to have a lender you can rely on and work with over the years."


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