“Can a data-science-driven alternative lender capture a large share of the underserved SMB capital market by offering fast, revenue-based financing across 1,000+ industries?”
Founded in 2010 as Retail Capital LLC, the company rebranded as Credibly and positioned itself as a data-driven SMB lender offering working capital loans and merchant cash advances. It leverages data science and analytics to underwrite businesses with as little as six months operating history and $15,000 in monthly revenue. PitchBook records the company as having been acquired/merged, having previously been PE-backed with seven financing rounds.
Credibly discloses Green Dot Bank DBA Bonneville Bank as its banking provider, according to the Embedded Finance Index 2026.
Credibly does not disclose a bank charter of its own; its banking services are provided through Green Dot Bank DBA Bonneville Bank.
The Embedded Finance Index 2026 maps 3 layers in Credibly's stack: Banking / BaaS (Green Dot Bank DBA Bonneville Bank); Lending (Working capital loan and Merchant cash advance); Sponsor bank (Green Dot Bank DBA Bonneville Bank).
Credibly is founded in 2010 and headquartered in Southfield, MI 48033, USA.
Get a read on where your own stack stands against Credibly and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.