Credibly is the easier of the two to qualify for: its working capital loans need 6 months in business, $15,000 in monthly revenue and a credit score of 500, and it funds up to $600,000. Kapitus asks for more (2 years in business, $250,000 in annual revenue and a 650 score for its business loans) but goes much larger, up to $5,000,000, and adds lines of credit, equipment financing and SBA loans. Both price their short-term products with factor rates. Choose Credibly if you’re a younger business that needs money fast; choose Kapitus if you’re established and want a bigger amount or a wider product menu.
Our Kapitus review and Credibly review cover each lender in depth, and every head-to-head is in the lender reviews hub. Figures below come from each lender’s own site unless marked.
Kapitus vs Credibly at a glance
Figures checked on September 21, 2026. Pricing is shown as each lender quotes it.
| Kapitus | Credibly | |
|---|---|---|
| Products | Business loans, revenue-based financing, lines of credit, equipment financing, SBA loans (through partners), invoice factoring, purchase order financing | Working capital loans and merchant cash advances (direct); lines of credit, long-term loans and equipment financing through partners |
| Main short-term product | Business loans up to $5,000,000 over 6 to 24 months; revenue-based financing up to $5,000,000 over 6 to 24 months | Working capital loans of $25,000 to $600,000 over 6 to 24 months; merchant cash advances of $5,000 to $600,000 over 3 to 24 months |
| Line of credit | Up to $750,000, 12 to 36 months | Up to $300,000 through partners |
| Pricing as quoted | Business loan rates set in underwriting; revenue-based financing example uses a 1.15 factor rate | Factor rates from 1.11; 2.5% origination (underwriting) fee on most deals; $50 monthly administration fee on merchant cash advances |
| Minimum credit score | 650 (business loans and revenue-based financing); 650+ (line of credit) | 500 (working capital loans); 550 (merchant cash advances); 700 for partner lines |
| Minimum revenue | $250,000 a year (business loans); $180,000 a year (line of credit) | $15,000 a month (working capital loans); $20,000 a month (merchant cash advances) |
| Minimum time in business | 2 years | 6 months |
| Payments | Daily, weekly or monthly (business loans); a share of revenue (revenue-based financing) | Daily or weekly |
| Speed | Approval in as little as 4 hours; funds in as little as one day | Approval in as fast as 2 hours; funding in as fast as 4 hours |
| Early payoff | No early repayment penalty on business loans | 20% off the factor (cost) portion of a merchant cash advance if paid in one lump sum |
| Who funds | Kapitus or members of its financing network; loans may be funded by WebBank | Credibly, for working capital loans and merchant cash advances |
Who is behind each lender
Kapitus was founded in 2006. On July 27, 2026, it announced it had been “acquired by an affiliate of InterVest capital partners” and that it “will continue operating independently” (PR Newswire). Kapitus works partly like a marketplace: its homepage says you can “receive up to six competing offers with one simple application,” and that loans “may be funded by WebBank. The specific lender will be identified in your agreement” (Kapitus).
Credibly was founded in 2010 and is based in Southfield, Michigan (PR Newswire). It describes itself as “a direct lender of working capital loans and merchant cash advances,” and offers SBA loans, lines of credit, equipment financing and long-term loans through partners (Credibly).
What each costs
A factor rate is a multiplier applied once to the amount you receive: $10,000 at a 1.2 factor rate means you repay $12,000, whatever the term. It is not an interest rate or an APR (annual percentage rate, the yearly cost including fees). Because a factor rate doesn’t change with the term, the same factor repaid over 6 months costs far more per year than over 18 months.
Credibly quotes factor rates “as low as 1.11” on its working capital loans and merchant cash advances, and says “most deals have a 2.5% origination fee” (Credibly working capital loans). Its FAQ adds that merchant cash advances “also incur a $50 monthly administration fee” (Credibly FAQ). The lowest factor rates go to “merchants with excellent credit and financial strength.”
Kapitus sets business loan rates “through our underwriting processes in tandem with federal interest rates” and publishes no starting rate (Kapitus business loans). Its revenue-based financing page gives an example with a 1.15 factor rate and describes the product as having “no interest,” “no set monthly payments, and no APR” (Kapitus revenue-based financing). For both lenders, ask for the total repayment, every fee and the payment schedule in writing, then work out the APR.
Worked example: $45,000
Kapitus’s own example: $45,000 at a 1.15 factor rate means $51,750 repaid, a cost of $6,750. At Credibly’s lowest published factor rate of 1.11, $45,000 means $49,950 repaid; add the 2.5% origination fee of $1,125 and the cost is $6,075, before any $50 monthly administration fee on a merchant cash advance. These aren’t like-for-like: Credibly’s 1.11 is a floor for its strongest applicants, while Kapitus’s 1.15 is an illustration, not a minimum or a typical rate. Neither figure tells you the APR until you know the term. Our guide to merchant cash advance costs, factor rates vs APR shows how to convert.
Who qualifies
Kapitus
- Business loans and revenue-based financing: 2+ years in business, $250,000 in annual revenue and a 650 credit score (Kapitus business loans).
- Line of credit: 2+ years, $180,000 in annual revenue and a 650+ FICO score (Kapitus line of credit).
- Have 3 to 6 months of business bank statements ready. Kapitus says a business loan will typically affect your credit score through a hard pull and/or reporting.
Credibly
- Working capital loans: 6+ months in business, $15,000+ in monthly revenue and a credit score of 500+.
- Merchant cash advances: 6+ months, $20,000+ in average monthly sales and a 550+ score (Credibly merchant cash advance).
- Partner products need more: 700+ for lines of credit, 1+ year for equipment financing and 2+ years for long-term loans. Credibly uses a soft credit pull when you apply.
Choose Credibly if…
- You’ve been in business less than 2 years; Credibly’s minimum is 6 months.
- Your credit score is 500 or higher but below Kapitus’s 650.
- You need money within hours; Credibly quotes funding in as fast as 4 hours.
- You’d like the option to pay off a merchant cash advance early for 20% off the factor portion.
Choose Kapitus if…
- You need more than $600,000; Kapitus lends up to $5,000,000.
- You want monthly payments or a line of credit of up to $750,000 over as long as 36 months.
- You’d like payments that move with your revenue through revenue-based financing.
- You want equipment financing or an SBA loan from the same place, or several competing offers from one application.
Pitfalls to watch
- Frequent debits. Credibly’s products are repaid daily or weekly, and so are many Kapitus business loans. Check the schedule against your cash flow.
- Factor rates leave out the term. A 1.11 or 1.15 factor rate says nothing about annual cost until you know how fast you repay. Ask for the APR.
- Fees on top. Credibly’s 2.5% origination fee and $50 monthly administration fee on merchant cash advances add to the factor cost.
- Who is lending. With Kapitus, the lender may be WebBank or a network member; the agreement names it. Credibly’s lines and long-term loans come from partners, whose terms apply.
FAQ
Is Kapitus or Credibly easier to qualify for?
Credibly. Its working capital loans need 6 months in business and a 500 credit score, against Kapitus’s 2 years and 650.
Which lends more?
Kapitus, up to $5,000,000 on business loans and revenue-based financing. Credibly’s direct products top out at $600,000.
Are merchant cash advances and revenue-based financing loans?
Credibly says a merchant cash advance “is not a loan, but a sale of a portion of future receivables.” Kapitus describes its revenue-based financing as having no interest and no APR, with repayment from a share of revenue.
Does applying affect my credit score?
Credibly says it uses a soft credit pull when you apply. Kapitus says business loans typically affect your score through a hard pull and/or credit reporting once a loan is in place.
Next step
If you’d like to compare Kapitus or Credibly offers with others, SMB Compass can help you compare options from the lenders we work with. Start with our business loans page, or read revenue-based financing vs a loan, OnDeck vs Credibly and our Fora Financial review.
Sources
- Kapitus: Home
- Kapitus: Business loans
- Kapitus: Revenue-based financing
- Kapitus: Line of credit
- PR Newswire: InterVest Capital Partners Acquires Kapitus (July 27, 2026)
- Credibly: Home
- Credibly: Working capital loans
- Credibly: Merchant cash advance
- Credibly: FAQ
- PR Newswire: Credibly Secures over $260 Million in New Financing (May 12, 2026)
About this page. Written by Ezra Cabrera, Content Team Lead at SMB Compass. Figures were checked against each lender’s own website on September 21, 2026; lenders change their terms, so confirm current terms before you apply, and let us know if you spot a figure that has changed. SMB Compass is a business financing broker: we don’t lend our own money, and we are paid by the lenders we place loans with. This page is general information, not financial, legal or tax advice.