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.


Credibility Capital

Reviews 99



53b56ea200006400057906acLoading TrustPilot
Apply for a business line of credit with Fundbox with no impact to your credit score to get funds the next day and repay in 12 or 24 weeks.
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.

Credibility Capital

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

To scale your construction business, you must be able to calculate and understand the strength of your working capital position.
Read more
Want information on the best software in the construction industry? Read this comprehensive list of construction software for contractors.
Read more
Read this comprehensive guide of construction certifications for contractors and subcontractors that we believe are the best in the industry.
Read more

More Like This

Connect with Us

Latest News

To scale your construction business, you must be able to calculate and understand the strength of your working capital position.
Read more