Fora Financial vs Credibly
Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Fora Financial: Published factor-rate range and fees.Credibly: Qualifies at six months in business.
| Compare | Fora FinancialFora Financial | |
|---|---|---|
| In one line | Short-term loans with published factor rates and fees | Working capital and cash advances from $5,000 after six months in business |
| Starting price | Factor rates from 1.13 | Factor rates from 1.11 |
| Six-person team | Factor rates from 1.13 | Factor rates from 1.11 |
| Plans | Loans and revenue advances up to $1.5M over 4-18 months; factor rates 1.13-1.50 (early payoff can cut to 1.05); origination fee from 2.5% plus a wire fee; daily or weekly payments | 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) |
| Pricing model | Paid | Paid |
| Free trial | — | — |
| Users | n/a | n/a |
| Integrations | Soft credit check to apply | Soft credit check to apply |
| Team size | 2–10 people · 11–50 people | 2–10 people · 11–50 people |
| Available in | US | US |
| Phone support | Plans not stated (US) | Plans not stated |
| Live chat | None listed | None listed |
| Support hours | Not published | Not published |
| Incidents posted | Fora Financial has a public status page. Status page | We found no public status page for Credibly. |
| Trustpilot score | 4.7 / 5 from 1,122 reviews | 4.8 / 5 from 2,819 reviews |
| Fit: Retail shop | 72 | 75 |
| Fit: Restaurant or café | 75 | 78 |
| Fit: Service business | 65 | 65 |
| Fit: Agency or studio | 50 | 50 |
| Fit: Trades or contractor | 70 | 70 |
| Fit: Online store | 60 | 62 |
| Why people pick it |
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| Where it falls short |
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| Visit Fora Financial | Visit Credibly |
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
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