Stripe Capital vs Credibly

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

Compare	Stripe CapitalStripe	CrediblyCredibly
In one line	Advances repaid as a cut of your Stripe 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; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	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	Stripe 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	US
Phone support	Every plan	Plans not stated
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	We found no public status page for Credibly.
Trustpilot score	Not listed	4.8 / 5 from 2,819 reviews
Fit: Retail shop	50	75
Fit: Restaurant or café	40	78
Fit: Service business	60	65
Fit: Agency or studio	60	50
Fit: Trades or contractor	40	70
Fit: Online store	90	62
Why people pick it	No paperwork Repayment flexes with sales	Qualifies at six months in business Published starting factor rate
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Daily or weekly repayments Its pages list different minimums
	Visit Stripe 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