QuickBooks Capital vs Credibly
Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Credibly fits restaurant or café.
QuickBooks Capital fits service business, agency or studio, online store.
| Compare | QuickBooks CapitalIntuit | |
|---|---|---|
| In one line | Loans and a credit line for QuickBooks Online users, no fees | Working capital and cash advances from $5,000 after six months in business |
| Starting price | From 13.49% APR, no fees | Factor rates from 1.11 |
| Six-person team | From 13.49% APR, no fees | Factor rates from 1.11 |
| Plans | Term loans $1.5K-$250K over 6-24 months (rate set per offer); line of credit $1K-$100K at 13.49%-35.99% APR; no origination, late, or prepayment fees; needs QuickBooks Online and about $50K yearly revenue | 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 | QuickBooks Online (apply inside it) | 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 | Plans not stated | Plans not stated |
| Live chat | Plans not stated | None listed |
| Support hours | Phone: Mon–Fri 6 AM–3 PM PT, closed weekends · Live chat: Mon–Fri 6 AM–3 PM PT, closed weekends | Not published |
| Incidents posted | 5 incidents posted on Intuit's status page, which covers all Intuit products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Intuit. Status page | We found no public status page for Credibly. |
| Trustpilot score | Not listed | 4.8 / 5 from 2,819 reviews |
| Fit: Retail shop | 70 | 75 |
| Fit: Restaurant or café | 65 | 78 |
| Fit: Service business | 78 | 65 |
| Fit: Agency or studio | 75 | 50 |
| Fit: Trades or contractor | 75 | 70 |
| Fit: Online store | 72 | 62 |
| Why people pick it |
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| Where it falls short |
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| Visit QuickBooks Capital | 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
QuickBooks Capital: partner link. We may earn a commission; it never affects rankings.
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