Credibility Capital Logo

Credibility Capital

Is This Your Business?
star_border star_border star_border star_border star_border
LAST UPDATED: July 15th, 2020

Founded in 2013 and based in New York, New York, Credibility Capital partners with institutional investors and technology companies to provide its services to consumers. As a lending platform, the company matches U.S. businesses with banks that can offer them term loans. The company’s goal is to help small businesses grow through fair and affordable loans.

Top Ranked Companies


The Good

  • Fast Process 
  • Loan Details 
  • Eligibility 

Fast Process

Though it can sometimes take weeks to obtain a traditional business loan, loans with Credibility Capital’s partner banks can be solidified on a much shorter timeline. 

Funding decisions are made quickly and funds are often available within three days of approval. Funds can be deposited within 24 hours of the institution receiving your bank routing information. 

Loan Details 

When obtaining a rate with Credibility Capital, the company performs a soft personal credit inquiry as part of the underwriting process so your personal credit score will not be affected at that point. Interest rates and APRs are spelled out clearly so you understand the loan terms and don’t have to wonder where you stand. The hard pull is only done when closing on a loan. 

Credibility Capital offers bank-funded term loans through its already-vetted network of financial services partners including the following: 

  • Dun & Bradstreet 
  • Marqeta
  • Northeast Bank
  • Seacoast Bank
  • Stibel & Company
  • Diversity Capital
  • City of Philadelphia Business Services

Regarding the details of the company’s loans, the good news is that bank-funded loans typically have lower APRs than non-traditional business loans since applicants often have to prove they are low-risk borrowers. With Credibility Capital you can get a loan between $25,000 and $350,000 in a one–, two–, or three–year term, paid monthly. These loans are fully amortizing which means each payment consists of interest and principal. 

There is a one-time origination fee that generally ranges from 3 to 5 percent, depending on the loan amount. You can pay down your loan early at any time without a prepayment penalty.


While bank loans typically have strict eligibility requirements, Credibility Capital’s requirements listed online differ from alternative business financing only in that the business owner must have strong personal credit. Aside from that, requirements include the following:

  • 24 months in business
  • Currently generating revenue (amount is unspecified) 
  • Business owner is a United States citizen 
  • No commercial or personal bankruptcies in the past five years

The Bad

  • Term Loans Only 
  • Not Available in Some States 

Term Loans Only 

Credibility Capital only offers term loans, the longest of which is three years. If you’re seeking a longer-term loan with repayment terms that go beyond three years, you’ll need to look elsewhere. However, it’s possible you’ll find a financing product you like within Credibility Capital’s banking network so it’s worth contacting the company to see what your options are. 

Not Available in Some States 

While Credibility Capital offers loans in nearly every U.S. state, the company does not offer loans in Nevada, North Dakota, South Dakota, or Vermont.


The Bottom Line

This lender is best for low-risk borrowers looking for a loan they can pay off in the short term. Just keep in mind that a short repayment term means you’re paying a higher monthly payment since you’re shaving off both interest and principal from the very start. 

While final loan details depend on your eligibility, you can expect to obtain a relatively low rate with Credibility Capital as compared with other lenders.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

star_border star_border star_border star_border star_border

0 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star_border star_border star_border star_border star_border


star_border star_border star_border star_border star_border


star_border star_border star_border star_border star_border


star_border star_border star_border star_border star_border
We couldn't find any matches for your request. Click here to try again.