Lendio vs Credibly

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

Compare	LendioLendio	CrediblyCredibly
In one line	Marketplace that shops your application to 75+ lenders	Working capital and cash advances from $5,000 after six months in business
Starting price	Free to apply	Factor rates from 1.11
Six-person team	Free to apply	Factor rates from 1.11
Plans	No fees listed for applicants; lenders set rates and terms and may pay Lendio for referrals	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	Free	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank and accounting connections	Soft credit check to apply
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan	Plans not stated
Live chat	None listed	None listed
Support hours	Phone: Monday–Friday 7:30 AM–5:00 PM MST	Not published
Incidents posted	We found no public status page for Lendio.	We found no public status page for Credibly.
Trustpilot score	4.5 / 5 from 21,925 reviews	4.8 / 5 from 2,819 reviews
Fit: Retail shop	80	75
Fit: Restaurant or café	80	78
Fit: Service business	75	65
Fit: Agency or studio	65	50
Fit: Trades or contractor	80	70
Fit: Online store	70	62
Why people pick it	One form, many offers SBA loan help	Qualifies at six months in business Published starting factor rate
Where it falls short	Expect sales calls Offers vary widely	Daily or weekly repayments Its pages list different minimums
	Visit Lendio ↗	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