Short answer
Credibly is a real, established funder, and it is also a genuine merchant cash advance company, which separates it from most of the lenders reviewed on this site. It has operated since 2010 as Retail Capital LLC, reports more than 3 billion dollars funded to over 55,000 businesses, and holds a 4.8 Trustpilot rating with a BBB A rating. The caution is structural rather than reputational: the two products Credibly funds directly are working capital loans and merchant cash advances, both priced by factor rate and collected by daily or weekly debit, while its cheaper products are routed to outside partners. That is the arrangement most likely to leave a business owner with the expensive option.
This page summarizes what the public record and the company's own disclosures show as of August 13, 2026. Where Credibly is transparent, and it is unusually transparent about several things, we say so.
What Credibly actually funds, and what it brokers
This is the single most useful thing to understand before applying, and Credibly discloses it openly in its own FAQ. Its answer to what types of business loans it offers reads: a direct lender of working capital loans and merchant cash advances, with SBA loans, business lines of credit, equipment financing and long term loans offered through its partners. A footnote repeats it across the site: some products are made available through Credibly's network of external funding partners.
Funded directly.
Working capital loans and merchant cash advances. Factor rate pricing, daily or weekly remittance.
Through partners.
SBA loans, business lines of credit up to 300,000 dollars, equipment financing, long term loans.
Advertised factor rate.
As low as 1.11, with the caveat that the best rates require excellent credit and financial strength.
Funding range.
5,000 to 600,000 dollars, approval advertised in as fast as 2 hours and funding in as fast as 4 hours.
Minimums.
6 or more months in business, 500 or above FICO, 15,000 dollars or more in average monthly deposits across three months and the most recent month.
Offices.
Southfield Michigan, New York, and Tempe Arizona. Operating since 2010.
The practical takeaway is that the incentive runs toward the in house products. If you arrive looking for an SBA loan or a line of credit, those are somebody else's paper. The working capital loan and the merchant cash advance are Credibly's own, and they are the two most expensive things on the menu. That is not an accusation, it is arithmetic worth knowing before a two hour approval lands in your inbox.
The name on your paperwork will not say Credibly
Credibly is a brand. The legal entity is Retail Capital LLC, and that is the name likely to appear on your funding agreement, on UCC filings against your business, in any court record, and in collection correspondence. The company's own Facebook presence is published under the RetailCapitalUS handle.
One important limitation on searching for records: if you look up only Credibly you will miss filings and dockets recorded under Retail Capital LLC, and vice versa. Search both. This is not unique to Credibly, but it catches business owners out regularly, particularly when a UCC lien appears under a name they do not recognize.
Credibly also states it owns and uses a second domain, credibly.co, alongside credibly.com, and its FAQ specifically addresses whether emails from the .co address are legitimate. It says they are. Worth knowing in both directions: a .co email may be genuine, and it is also the kind of near miss domain that impersonators favor, so verify by calling the published number rather than replying.
What the factor rate structure means for you
Credibly is priced with factor rates, and it does not hide this. A factor rate of 1.11 on a 100,000 dollar advance means 111,000 dollars is repaid. The figure is fixed the day you sign.
Two consequences follow, and they are the reason merchant cash advance debt behaves differently from a loan. First, paying early saves you nothing, because the payback is not accruing interest that stops when you settle the balance. Second, remittance is collected daily or weekly straight out of your operating account, so a slow month does not reduce the pressure, it increases the share of your cash that leaves before you can use it. That is the mechanism behind almost every case that reaches us.
Credibly's advertised 1.11 is a genuinely competitive opening figure for this product category, and merchants with strong financials may well see it. What the advertised number does not tell you is your number. Ask for the total dollar payback, the exact daily or weekly debit, and the term, then compare that against every other offer you hold in dollars rather than rates.
The counterweight
Credibly earns credit on several measures, and it would be misleading to leave them out. It holds a 4.8 Trustpilot rating across a substantial review base and an A rating with the BBB. It has been operating since 2010, which is a long tenure in this industry, and reports over 55,000 businesses funded and more than 3 billion dollars deployed. It uses a soft credit pull to prequalify, so shopping an offer does not damage your credit. It publishes its minimum qualifications, its funding range, and its starting factor rate openly, and it states plainly which products it funds directly and which it does not. Several funders in this directory disclose none of that.
What the record does not give you is a federal enforcement action against Credibly or Retail Capital LLC. We found none. What it does show is that merchant cash advance defense firms actively market services against Credibly agreements, which is what you would expect for any funder operating at this volume in this product category, and is not by itself evidence of misconduct.
What to check in your own paperwork
Entity name.
Retail Capital LLC or Credibly, and which appears on the signature page.
Product type.
A purchase of future receivables is an advance. A stated interest rate with a maturity date is a loan. The names on the marketing page are not reliable.
Factor rate and total payback.
Both numbers, in dollars.
Remittance.
Daily or weekly, the exact amount, and whether it is fixed or a percentage of deposits.
Reconciliation.
Whether the agreement lets you request an adjustment when revenue drops, what documentation triggers it, and the response timeline.
Personal guarantee and confession of judgment.
Whether either was signed, and in which state and court.
Whether a partner funded you.
If your product is SBA, a line of credit, equipment or long term, check whose paper you are actually on.
Frequently asked questions
Is Credibly legit?
Yes. Credibly is the trading name of Retail Capital LLC, a business funder operating since 2010 with offices in Southfield Michigan, New York and Tempe Arizona. It reports having funded more than 3 billion dollars to over 55,000 businesses, holds a 4.8 rating on Trustpilot, and carries an A rating with the Better Business Bureau. Legitimate is not the same as inexpensive: Credibly's two direct products are working capital loans and merchant cash advances, both priced with factor rates and collected by daily or weekly debit.
Is Credibly a merchant cash advance company?
Yes, in part, and it says so plainly. Credibly's own FAQ states it is a direct lender of working capital loans and merchant cash advances, and that SBA loans, business lines of credit, equipment financing and long term loans are offered through its network of external funding partners. That distinction matters: the two products Credibly funds directly are the two most expensive on its menu. If you approach Credibly for an SBA loan or a line of credit, you may be routed to a partner rather than funded in house.
What are Credibly's factor rates?
Credibly advertises factor rates as low as 1.11, with an asterisk stating that the best factor rates are available to merchants with excellent credit and financial strength. A factor rate of 1.11 on 100,000 dollars means 111,000 dollars is repaid. Rates rise from there based on underwriting. A factor rate is not an interest rate: the total payback is fixed when you sign, so paying early does not reduce what you owe. Ask for the total dollar payback and the daily or weekly debit amount before signing anything.
Why does Credibly also appear as Retail Capital?
Retail Capital LLC is the legal entity behind the Credibly brand. You may see the Retail Capital name on your funding agreement, on UCC filings, in court records, or in collection correspondence even though every marketing touchpoint says Credibly. The company's own Facebook page is published under the RetailCapitalUS handle. If you are searching for records about the company that funded you, search both names.
What are Credibly's requirements?
Credibly publishes minimums of six or more months in business, a credit score of 500 or above, and 15,000 dollars or more in average monthly revenue, which it defines as average deposits across a three month period and the most recent month. Funding runs from 5,000 to 600,000 dollars, with lines of credit up to 300,000 dollars through partners. It advertises approval in as fast as two hours and funding in as fast as four hours, using a soft credit pull to prequalify.
Can a Credibly balance be settled?
Often, yes, and this is the category where settlement work applies most directly. A Credibly merchant cash advance is structured as a purchase of future receivables with daily or weekly remittances, which is the product type that most commonly becomes unmanageable when revenue dips. Outcomes depend on your agreement, how far behind you are, whether a personal guarantee was signed, and what other obligations you carry. Send us the agreement and your recent statements and we will tell you what is realistic before you commit to anything.
If the payments are the problem
A merchant cash advance collected daily is the product that most often turns a slow quarter into a crisis, and it is the category where restructuring work has the clearest effect. If Credibly or Retail Capital LLC is debiting your account faster than the business can carry, the first step is establishing exactly what you signed and what other obligations sit alongside it. Send us the agreement and your recent statements. We will tell you what is realistic in writing, before you commit to anything, and we will tell you if we do not think we can help.
