Credibly
“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?”
Founded2010
HQSouthfield, MI 48033, USA
IndustryFintech / Lending
The story
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.
Last 12 months
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Product timeline
2010
Founded as Retail Capital LLC, offering small business alternative financing including merchant cash advances.· lending
2015
Rebranded to Credibly, broadening product suite to include working capital loans alongside MCAs.· pivot
2022
Status recorded as Acquired/Merged per PitchBook; previously PE-backed.· acquisition
Regulated entities
1
regulatory licence held by Credibly
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Credibly’s embedded-finance stack
Banking / BaaS
Green Dot Bank DBA Bonneville Bank
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.