Marketplace lender focused on prime credit small business borrowers.
Who we are
Credibility Capital is a marketplace lender focused on prime credit small business borrowers. 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 $25,000 to $100,000. Investors such as hedge funds, family offices, insurance companies and banks with an appetite for current income are making substantial allocations to this emerging asset class. Borrowers will be sourced directly by our partners such as Dun & Bradstreet Credibility Corp.
underwriting
The Credibility Capital Risk Score (CCR Score) incorporates a range of data to arrive at a recommendation for particular interest rate associated with the creditworthiness of the business. The CCR Score was developed by our Risk Manager who spent nine years at Fair Isaac and has built thousands of credit models for lenders including some of the largest institutions in the world. Unlike with a traditional bank, being approved for a Credibility loan can be a fast and easy online process that will require relatively little input from the business owner. The CCR Score takes into account many factors including credit history and payment data as well as key merchant data and cash flow to help assess risk and make quicker lending decisions, allowing for more rapid funding.
borrowers
Our borrowers are small businesses seeking capital primarily for business expansion and inventory financing. Many of these small businesses were especially hard hit by the financial crisis that began in 2008, and access to capital continues to represent a serious challenge for many of them. In the last few years, the larger commercial loan market has appeared to improve significantly, but the smaller commercial market has lagged behind. Currently small businesses can look to SBA loans and other traditional bank loans, which are typically slower processes that require onerous paperwork, and some use expensive merchant cash advance providers. However, most small businesses are time-constrained and need alternatives. Our affordable monthly-pay loans can help.