Is National Funding or Credibly better for small business funding?

It depends on credit and revenue. Credibly funds from 6 months in business with a 500+ credit score and $15,000+ monthly revenue. National Funding publishes no strict minimum score but requires $250,000+ annual sales. If your credit is low, both are accessible; if your revenue is under $250,000 a year, Credibly is the realistic option.

What are National Funding and Credibly factor rates?

National Funding uses factor rates starting at 1.10 (typically up to about 1.20) plus a 1% to 3% origination fee. Credibly starts at 1.11 with a typical range of 1.15 to 1.45 and prepayment discounts. National Funding's low end can look cheaper, but its origination fee and your actual factor rate decide the real total — compare dollars repaid.

How much can I borrow from National Funding vs Credibly?

Both offer up to the mid-six figures. National Funding funds $5,000 to $500,000 in working capital. Credibly funds $5,000 to $600,000. Credibly has the slightly higher ceiling; both start at $5,000.

Which funds faster, National Funding or Credibly?

Both are fast. National Funding advertises decisions in as little as 24 hours with same-day deposits. Credibly funds in 1 to 3 business days. National Funding can edge ahead on same-day funding for straightforward files.

National Funding vs Credibly: Which Is Better for Your Business? (2026)

National Funding and Credibly are both fast, credit-flexible direct lenders that serve small businesses banks often pass on. They overlap heavily — both price with factor rates, both fund in days, both work with lower credit. The differences are in revenue requirements, fees, and how each one funds.

Here is how they compare on the details that matter.

Side-by-Side Comparison

Feature	National Funding	Credibly
Factor rate	From 1.10 (~up to 1.20)	1.11–1.45
Advance range	$5,000–$500,000	$5,000–$600,000
Min. credit score	No strict minimum	500+
Time in business	6+ months	6+ months
Min. revenue	$250,000/year	$15,000/mo ($10K e-commerce)
Funding speed	Same day to 48 hours	1–3 business days
Prepayment	No penalty; possible discount	Discounts available

Data verified as of 2026. Terms vary by business and are subject to change — confirm current offers directly with each provider.

Qualification Requirements

Both fund from 6 months in business and both prioritize revenue over credit. The difference is the revenue bar. National Funding publishes no strict minimum credit score but requires $250,000+ in annual sales — roughly $20,800 a month. Credibly accepts a 500+ score and needs $15,000+ in monthly revenue ($10,000 for e-commerce), which is the lower of the two thresholds.

If your monthly revenue sits between $15,000 and $20,000, Credibly will likely consider you while National Funding may not. Above $250,000 in annual sales, both are in play.

Cost and Factor Rates

The headline rates look close, but the fee structure differs. National Funding starts at a 1.10 factor (typically up to about 1.20) and adds a 1% to 3% origination fee (usually around 2%) on top. On a $50,000 loan at 1.18 plus a 2% fee, total repayment is roughly $60,000.

Credibly starts at 1.11 with a typical range of 1.15 to 1.45 and prepayment discounts. It may charge origination of 0–5% and monthly administrative fees on some products, though standard advances often carry no separate percentage origination.

Because both lenders’ published “starting” rates are reserved for the strongest applicants, the only reliable comparison is the total dollars repaid on your actual written offer.

Funding Amounts

Credibly has the slightly higher ceiling at $600,000, versus National Funding’s $500,000. Both start at $5,000, so for most small businesses the practical range is the same. The difference only matters at the very top end.

Funding Speed

Both are quick. National Funding advertises decisions in as little as 24 hours with same-day deposits available, plus a dedicated Funding Specialist on every file. Credibly funds in 1 to 3 business days. For the most urgent needs, National Funding can move slightly faster.

When to Choose National Funding

Your annual revenue comfortably exceeds $250,000
You need same-day funding
You want a dedicated Funding Specialist guiding the process
You also need equipment financing
Your credit is weak but sales are strong

When to Choose Credibly

Your monthly revenue is between $15,000 and $20,000
You have a credit score between 500 and 650
You want transparent starting rates with prepayment discounts
You may need slightly more than $500,000
You are an e-commerce business (lower $10K revenue floor)

The Bottom Line

National Funding and Credibly are close competitors that both reward revenue over credit. National Funding funds slightly faster and pairs you with a specialist, but sets a higher $250,000 revenue bar. Credibly accepts lower monthly revenue, starts at a transparent 1.11, and reaches a touch higher on amount.

Request quotes from both on the same dollar amount, add any origination fees into the total, and pick the one whose cost and timeline fit your cash flow.

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