Credibly vs Kapitus

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	CrediblyCredibly	KapitusKapitus
In one line	Working capital and cash advances from $5,000 after six months in business	Larger loans and revenue-based financing for businesses past two years
Starting price	Factor rates from 1.11	Rates from 6.2%
Six-person team	Factor rates from 1.11	Rates from 6.2%
Plans	Working capital $25K-$600K over 6-24 months; merchant cash advance $5K-$600K over 3-24 months; factor rates from 1.11; daily or weekly payments; needs 6+ months in business, $20K average monthly revenue, 550 credit score (product pages; the homepage says $15K and 500)	Loans and revenue-based financing up to $5M over 6-24 months; line of credit up to $750K (needs $180K revenue); needs 2+ years in business, $250K yearly revenue, 650 credit score; rates from 6.2%, set by quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Soft credit check to apply	Bank connection
Team size	2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Plans not stated	Plans not stated
Live chat	None listed	None listed
Support hours	Not published	Not published
Incidents posted	We found no public status page for Credibly.	We found no public status page for Kapitus.
Trustpilot score	4.8 / 5 from 2,819 reviews	4.4 / 5 from 802 reviews
Fit: Retail shop	75	70
Fit: Restaurant or café	78	72
Fit: Service business	65	70
Fit: Agency or studio	50	62
Fit: Trades or contractor	70	75
Fit: Online store	62	65
Why people pick it	Qualifies at six months in business Published starting factor rate	Large amounts Several offers from one application
Where it falls short	Daily or weekly repayments Its pages list different minimums	Only the lowest rate is published Needs two years and $250K revenue
	Visit Credibly ↗	Visit Kapitus ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices