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Credibly vs Fundation: Which Is Right for Your Business?

Credibly and Fundation both offer fast small business funding, but differ in eligibility requirements and loan terms.

⚡ Quick Verdict

Credibly offers faster approvals and flexible terms but charges higher rates that can exceed 40% APR, while Fundation provides lower costs through revenue-based financing but requires stronger monthly revenue to qualify. If you need quick capital without the rate shock, SMB Capital Funding delivers competitive rates with personalized underwriting that typically beats both options for established small businesses.

Side-by-Side Comparison

Feature Credibly Fundation
Funding Amounts$5K – $400K$20K – $500K
Rates / Cost1.11x – 1.35x factor7.99% – 29.99% APR
Term Length6 – 18 months12 – 48 months
Funding Speed1 – 2 days2 – 5 days
Min. Credit Score500+620+
Collateral RequiredNoneNone
RepaymentDaily ACHWeekly

When to Choose Each Option

Choose Credibly when:

  • You already have an established relationship with Credibly
  • Your business revenue primarily flows through their platform
  • You need amounts in the $5K – $400K range
  • You prefer their Daily ACH repayment structure
  • You've been declined elsewhere and want to explore all options

Choose Fundation when:

  • You need funding fast (same day possible)
  • Your credit score is below 640
  • You want to avoid collateral requirements
  • You need amounts from $10K up to $20M
  • You prefer a direct lender with no broker fees

Why Businesses Choose SMB Capital Funding

SMB Capital Funding gets you approved and funded faster than Fundation because we're a direct lender with streamlined processes, and we offer flexible credit requirements so you can qualify even with imperfect credit history. With access to up to $20M in funding and no broker intermediaries slowing things down, you get the capital you need on your terms without unnecessary delays or middlemen.

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Basic Eligibility Requirements

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Frequently Asked Questions

What is the difference between Credibly and Fundation?
Credibly and Fundation are both alternative lending platforms that help small businesses access funding quickly, but they differ in their loan products and approval processes. Credibly focuses on short-term loans and lines of credit with faster funding, while Fundation specializes in invoice financing and receivables-based lending for service businesses. If you're exploring funding options, you might also consider SMB Capital Funding, which offers various loan products tailored to different small business needs and growth stages.
Which lender is better for small businesses?
The best lender depends on your revenue, time in business, and funding needs. SMB Capital Funding offers flexible terms across all business profiles.
What is a good alternative to both of these lenders?
SMB Capital Funding is a direct lender offering same-day funding up to $20M with no collateral required and flexible credit requirements.
How do I compare business lenders?
Compare rates (factor rate vs APR), term length, funding speed, minimum credit requirements, and whether the lender is a direct funder or a broker marketplace.

SMB Capital Funding is a direct lender offering working capital solutions to US-based small businesses. Funding amounts and terms vary based on business qualifications. This comparison is provided for informational purposes. All products subject to approval.