Last Updated: June 6, 2024, 2:50 pm by TRUiC Team

Credibility Capital Small Business Loans Review 2024

Whether you’re in need of a business expansion or need to refinance to a lower APR, Credibility Capital Business Loans offer business loans that could save your business money and make running your business easier.

In this review, we’ll go over the details of Credibility Capital’s business loans to help you decide if these loans offer the right features for your business.

Recommended: Visit our comprehensive guide on small business loans or read our review of the best small business loans.

Credibility review image with 3.9 stars.

Credibility Business Loans Overview

Our Approach:

To help match your business with the right loan, we compared Credibility Capital’s loan offerings and matched those up with the businesses that stand to best benefit.

In this review, we’ll cover the type of loans Credibility Capital offers to help you decide if Credibility Capital is the right lending partner for your small business.

Selecting the best small business loan for your company comes down to three things:

  • Type of business you have
  • Needs of your business
  • What you want for the future of your business

Credibility Business Loans Summary:

  • Small business term loans are the best business loans for companies needing access to a certain quantity of capital to fund expansion projects. These loans help businesses leverage capital to grow by building the business out.


  • Competitive rates
  • No prepayment penalty
  • Make extra payments, save money


  • High dollar payments
  • High credit score requirement
  • Requires a business lien
  • Not available in Vermont, South Dakota, North Dakota, or Nevada
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Recommended: Read our guide on how to build business credit.

How to Apply for Credibility Capital’s Loans:

  • Check to see if you qualify by clicking “Check Options” on Credibility Capital’s website
  • Apply online in 30 minutes by providing basic details about your business.
  • Get funded in three days.

Types of Credibility Capital Business Loans

Credibility Capital offers one type of business loan: small business term loans: A small business term loan is best for businesses needing capital to expand their business.

Credibility Capital’s Small Business Term Loan

Credibility Capital is not a traditional bank, meaning they can get you funded in a much shorter period of time, generally just three days. Term loans help businesses expand by leveraging the power of capital to increase sales opportunities.

Lowest rate: 19.99% per week

Loan sizes up to: $350,000


  • Quick financing
  • Terms from 1-3 years
  • Funding in three days
  • No origination fee


  • 680 credit score
  • Three years in business

How to Apply:

  • Visit Credibility Capital’s website to apply online
  • The online application will take about 30 minutes to complete
  • Get funded in three days

Credibility Capital's Customer Reviews

Credibility Capital seems to have mostly positive reviews from customers. Here are some verified Credibility Capital reviews (from the Trustpilot website) by people who sought loans through them to help their businesses:

“Many thanks to Devin for all her help. Credibility Capital will be my lender in the future.”

“I cannot say enough about credibility capital, specifically Devin Decker who helped us navigate these waters. I will be forever grateful for the assistance and loan that was provided to us, allowing us to retain our employees. Credibility Capital gave us better customer service than our banks of whom we have had long standing relationships, with no account issues. Thank you, Thank you Credibility Capital for the talent you hire and what you accomplish.”

“This loan saved my business. I am so very grateful!”

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Learn more by checking out our comprehensive guides on small business loans.

Credibility Capital's Review Ratings

Value - 4/5

Overall Credibility Capital’s value is best for well established businesses with good credit. Credibility Capital may not be right for startups or companies with poor credit. Their loans are for periods up to three years.

Customer Service - 5/5

Credibility Capital’s customer service is amazing and very helpful, importantly not “salesy”. Our overall experience was positive. Other customers report that Credibility Capital has amazing customer service.

Ease of Use - 3.5/5

Applying for a small business loan term loan is exceptionally easy and fast. The only thing we grimaced about was the fact that the qualification standards were stricter than many other online lenders.

Included Features - 3/5

We like Credibility Capital’s approach to lending because they offer just one loan type intentioned to help businesses grow. They may fall short helping startups and businesses in trouble, that’s definitely not their market. For well established businesses, they can be a real asset, saving the business on interest.

Final Thoughts on Credibility Capital

Credibility Capital may be the right lender for your business if you need a fast loan to build your business. Credibility Capital offers lower interest rates, but qualifying for a loan is more difficult than with many other online lenders. They also offer loans up to $350,000, more than many other short-term lenders. Terms range from one to three years, which provides flexibility for businesses needing short-term financing.

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Visit our comprehensive guide on small business loans.

Credibility Capital’s FAQs

Yes, Credibility Capital does a soft pull to determine if you qualify. Later, if approved, they do a hard pull. Soft pulls do not negatively impact your credit.

Credibility Capital charges a 3% to 5% origination fee, depending on the amount of the loan. They do not charge any fees for paying back the loan early.

Visit Credibility Capital’s website to apply online.

  • The online application will take about 30 minutes to complete
  • Get funded in three days

Documentation requirements vary based on industry and your particular business but will include bank statements for the previous six months and/or tax returns for the previous two years. A loan specialist will advise you if any additional documentation is needed.

Yes, you can prepay the loan, and this will save you interest.

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