Credibly provides working capital and business loans in a similar fast-funding space to ShopFunders. Here's a fair, side-by-side look so you can choose what actually fits your business.
| ShopFunders | Credibly | |
|---|---|---|
| Funding model | Marketplace — we shop multiple funders for you | Direct funder (funds from its own book) |
| Decision speed | Decision in 24 hours | Varies by file |
| Collateral / personal guarantee | Not required on core products | Revenue-based; a personal guarantee often applies |
| Time in business | 6+ months | Typically 6+ months in business |
| Products | Working capital, term loans, lines of credit, equipment financing | Working capital, business loans, lines of credit |
| Best for | Owners who want speed, options, and a real shot with shorter history or thinner credit | Revenue-strong businesses seeking fast working capital |
Credibly is one lender with one credit box. We're a marketplace — one application gets shopped across multiple funders, so you compare real offers instead of taking a single answer.
When a single lender declines, you're done. When one funder in our network passes, we route your file to the next — newer or thinner-credit businesses often still get funded.
Decision in 24 hours, funding in as little as 24–72 hours after you sign. No credit check to apply — see your options.
Credibly operates in the same fast-funding lane we do and is a legitimate option. The difference is that they fund from their own book, while we shop your file across many funders — so if one offer isn't ideal, we can compare it against others for you.
This comparison reflects publicly available information about Credibly and general industry positioning as of 2026. Credibly's products, rates, and requirements change — confirm current terms on Credibly's official website. Credibly is an independent company and is not affiliated with or endorsed by ShopFunders. All trademarks belong to their respective owners.
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Apply in about 2 minutes. No collateral. No credit impact to apply. One application, multiple funders.
Apply Now →$10K+/mo revenue · No collateral · Funds in 24–72 hrs