Credibly Review (2026)
Best for trucking working capital with challenged credit
Researched and fact-checked by the BestTruckingLoans Editorial Team from primary sources · Updated May 2026 · Advertising disclosure
Bottom Line
Credibly is a legitimate lender for a narrow situation: damaged credit + strong revenue + working capital need. If your credit is over 620, there are better-priced options. If your revenue is under $180K, you may not qualify.
What Is Credibly?
Credibly serves business borrowers in the credit gap between traditional lenders and MCAs. They accept 500+ FICO with 6 months in business, but the high revenue floor ($180K/yr) means their target is actually an established business that hit a rough credit patch rather than a new startup.
Who Is Credibly Best For?
Credibly is most useful for a trucking business that has solid revenue ($180K+) but damaged credit (500–580) and needs working capital rather than an equipment loan. If you need equipment financing at 500 FICO, National Funding may be the better fit.
Pros & Cons
Pros
- ✓ Accepts 500 FICO
- ✓ 6 months in business minimum
- ✓ Multiple product types: working capital, equipment, invoice factoring referrals
Cons
- ✗ High minimum revenue ($180K/yr) despite low credit requirement
- ✗ Shorter terms than equipment specialists
- ✗ Rates on the high side for challenged credit
How to Apply
Online application in 10 minutes. Bank statements required. Approval in 1–4 hours, funding in 1–2 business days.
How Credibly Compares
See how Credibly stacks up against other lenders on our full lender comparison page. For loan type comparisons, see our trucking loan types guide.
Get Rate Quotes for Credibly
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