Credibility Capital Logo
Loading TrustPilot

Credibility Capital

Fair Small Business Loans
Credibility Capital helps small businesses grow through fair and affordable small business loans.


Credibility Capital offers a platform to match high-quality small businesses with fair and affordable loans from $50,000 to $350,000. The loans are backed by banks and other institutional investors like hedge funds and family offices. 

Founded in 2013, Credibility Capital wanted to help small businesses, even those with good balance sheets and credit history, secure the funding they need to grow their business.

How Does Credibility Capital Work?

Credibility Capital offers a simple, easy online application process for businesses to fill out and review their options. To get you a loan rate, they perform a soft credit inquiry, which means it will not affect your credit score at this stage.

Your loan offers include all the information you need to make a quick decision, like interest rates, APRs, and repayment terms.

After you have accepted an offer, your funds can be available within days.

Credibility Capital does not charge an application fee but does charge a one-time loan origination fee once your loan is approved.

Small Business Loans

Credibility Capital offers business term loans backed by banks and other institutional investors between $50,000 and $350,000. They offer competitive rates and terms from 1 year to 5 years with monthly payment installments. Loans can be pay early with no penalty fees, and there are no yield maintenance fees either. The only fee is a one-time origination fee for the loan.

How To Qualify for a Credibility Capital Loan

To qualify for a Credibility Capital small business loan, you must meet some minimum requirements:

  • A minimum of 2 years in business with a revenue stream at the moment of application.
  • You (or the business owner) must be a U.S. citizen and have a good credit history.
  • You or your business can’t have bankruptcies in the last 5 years.
  • Your business is no located in Nevada, North Dakota, South Dakota, or Vermont.

If you meet the eligibility requirements, you can proceed to submit an easy application with no obligation.

How to Apply for a Credibility Capital Loan

Credibility Capital makes it easy to apply, review and secure a loan to grow your business. To apply for a business term loan with Credibility Capital, simply follow the following steps:

  1. Navigate to the Credibility Capital website and click on Check Options.
  2. Submit a simple application that has no impact on your credit score.
  3. Review loan offers and terms with clear information on rates and APRs
  4. Accept a loan offer and get your funds in a few days.

Credibility Capital also offers an email address to ask questions and make loan inquiries if you prefer to use this method instead of the online application.


Reviews 99



533895d80000640005787b34Loading TrustPilot
OnDeck is a small business loan lender offering business term loans and lines of credit for small businesses in the U.S. of up to $250,000.
52a61aaf0000640005778f88Loading TrustPilot
Fundera helps U.S.-based small businesses find and compare available business loan options to get funding faster than through a bank.
First Down Funding offers small business lending to fund your business. Apply online and get a small business loan in 48 hours.

Products and Services

Why Us

Quick and Easy

Submit a quick and easy application online to make a fast decision and get your funds as soon as possible.

Transparent Information

Get clear information about fees, payments, interest rates, and costs before you accept a loan offer.

No Credit Score Impact

A soft personal credit inquiry is performed as part of the application process, not affecting personal credit scores.


Small Business Loans

Submit a simple application online to review your business loans options.

Related Articles

Explore options to scale your construction business, including purchase order financing, lines of credit, and material financing solutions.
Read more
Explore the importance of construction safety, top safety risks to be aware of, and ways to improve safety measures at your organization.
Read more
All data provided by the Home Mortgage Disclosure Act, at updated Dec, 19
Read more

More Like This

Connect with Us

Latest News

Explore options to scale your construction business, including purchase order financing, lines of credit, and material financing solutions.
Read more

This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on; visit the financial institutions’ website or contact it directly if you have any questions.

If you work for this financial institution and want to adjust any information, contact us at