Square Loans vs Credibly

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

Compare	Square LoansBlock	CrediblyCredibly
In one line	Advances for Square sellers, repaid from card sales	Working capital and cash advances from $5,000 after six months in business
Starting price	Flat fee, no interest	Factor rates from 1.11
Six-person team	Flat fee, no interest	Factor rates from 1.11
Plans	One flat fee per loan, no interest; a fixed share of daily card sales repays it	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	Square only	Soft credit check to apply
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated (US)	Plans not stated
Live chat	Plans not stated	None listed
Support hours	Not published	Not published
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page	We found no public status page for Credibly.
Trustpilot score	Not listed	4.8 / 5 from 2,819 reviews
Fit: Retail shop	90	75
Fit: Restaurant or café	85	78
Fit: Service business	70	65
Fit: Agency or studio	20	50
Fit: Trades or contractor	50	70
Fit: Online store	40	62
Why people pick it	Offers appear automatically No fixed monthly payment	Qualifies at six months in business Published starting factor rate
Where it falls short	Must sell through Square Minimum repayment every 60 days	Daily or weekly repayments Its pages list different minimums
	Visit Square Loans ↗	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