Capvant vs Credibly: Compare US Business Funding

Capvant vs Credibly

One is a direct online lender. The other is a marketplace that compares funders for you. Here's how they line up for US business owners.

Soft check · no impact on your credit score.²

1 requesta whole network of funders
Soft check²no credit-score impact
Competing offerscompared side by side
You chooseno obligation at any point

Capvant vs Credibly at a glance

	Capvant	Credibly
Model	A funding marketplace. We present options from a panel of business funders so you can compare and choose the one that fits.	A direct online lender and financing provider that funds from its own book. Check Credibly's own site for current products and specifics.
Who makes the credit decision	The individual funder you choose. Capvant doesn't lend or decide credit, we match your details to funders and present their offers.	Credibly, against its own criteria and its own products.
Credit impact of the first step	A soft check with no impact on your credit score. A hard check only happens later, with the funder you actually choose to proceed with.	See Credibly's own site, applying directly with a single lender may involve its own checks.
What one request gets you	One short form, then multiple comparable offers from different funders laid out side by side.	A decision on Credibly's own financing, from one provider.
Products covered	Working capital, business lines of credit, term loans, equipment financing, invoice financing, Revenue Advance and SBA loans.	Credibly's own range of financing products, see their site for the current lineup.
Who it's built for	US and UK owners who want to compare several routes before committing to one.	US owners who are comfortable working directly with a single established lender.
Brand and track record	A comparison-first marketplace built around transparency and choice across funders.	An established US online lender with a longer direct-funding track record. Verify current details on Credibly's site.

Based on publicly stated models at the time of writing, always confirm details with any provider before proceeding.

How it works

Tell us what you need

Answer a few questions about your business and how much funding you’re after. It takes about 60 seconds.

Compare your matched offers

We match you with funding partners and bring back competing offers, a soft search with no impact on your credit score.

Get funded

Pick the offer that fits and get the funds in your account, often within a few business days.

Products you can compare with one request

Working capital

Cover payroll, stock and day-to-day running costs with flexible working capital.

Business line of credit

Draw funds as you need them and only pay for what you use.

Invoice financing

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid.

Revenue advance

Take a lump sum today and repay as a small share of your daily card and bank takings.

Written by Sarah Eltaweel, Head of MarketplaceCapvant funding marketplace · Reviewed July 2026

Comparing Credibly? Look at the whole picture

Credibly is a direct online lender, it assesses your business against its own criteria and funds from its own book. That means the offer you see is Credibly's offer. It's a clean, single-relationship route, and for plenty of owners that's exactly what they want.

The trade-off is that one lender is one data point. You won't know whether a different funder would have structured things differently unless you go and ask them separately, which usually means more forms and, sometimes, more credit checks. A marketplace exists to collapse that comparison into one step.

Whichever way you lean, the sensible move is to look at the full picture, the product type, the terms, the total cost and the fit for your cash flow, rather than the first number you're shown.

Marketplace vs direct lender: the real difference

A direct lender like Credibly makes the credit decision itself. A marketplace like Capvant does not lend and does not decide credit, it matches your details to a panel of funders and presents their offers so you can choose.

The practical upshot is comparison. With one direct lender you get one answer; with a marketplace you get several to weigh against each other. That's useful when products differ, a line of credit, a term loan and a Revenue Advance can all solve the same cash-flow gap in very different ways.

one provider, one set of criteria, one offer
one request, several funders, offers side by side
Capvant never lends or decides credit, the funder you pick does
Comparing on Capvant starts with a soft check, not a hard pull

How Capvant's marketplace works

You start with one short form about your business and what you need the funding for. That first step is a soft check with no impact on your credit score, so you can look without committing.

We match your details to funders on our panel and bring back offers you can compare in one place. When you decide to move forward with a specific funder, that funder runs its own hard check and completes the application, the hard check only happens at that later stage, with the funder you've chosen.

Capvant is a marketplace, not a lender. We don't set rates or approve funding ourselves; our job is to give you a clear, comparable view so the choice is genuinely yours.

Products you can compare through Capvant

Different situations call for different products, and comparing them side by side is often more useful than fixating on a single loan type. Through Capvant's panel you can look across the main US financing options in one request.

That breadth is the point of a marketplace: instead of fitting your business to one lender's product, you see which structure actually suits your cash flow.

Working capital for day-to-day cash flow
Business lines of credit for flexible, on-demand access
Term loans for larger, planned investments
Equipment financing for machinery, vehicles and kit
Invoice financing to unlock cash tied up in receivables
Revenue Advance and SBA loans where they fit

What Credibly does well

It's only fair to be clear about Credibly's strengths. As an established direct lender, it offers a single, self-contained relationship: one provider handling your application from decision through to funding, which some owners find simpler than juggling comparisons.

If you already have a good experience with Credibly, or you specifically want to work with one lender you know, going direct is a perfectly reasonable choice. For current products, terms and eligibility, check Credibly's own site, those details change, and their site is the authoritative source.

Getting started with Capvant

You can compare offers in minutes. The first step is a soft check with no impact on your credit score, so there's no downside to seeing what's available before you decide anything.

If nothing suits, you walk away with a clearer view of the market. If something does, you proceed with that funder, and only then does a hard check come into play.

Which should you choose?

It comes down to how you like to shop for funding. If you already trust Credibly and want to deal with one lender end to end, going direct is straightforward. If you'd rather see what several funders would offer before you commit, without a hard credit pull just to look, a marketplace like Capvant lets you compare the whole picture from a single request. Many owners even start with Capvant to benchmark, then decide. Neither approach is inherently better; it depends on whether you value a single relationship or a side-by-side comparison.

Choose Capvant if…

You want to compare offers from several funders before committing to any one
You'd rather the first step be a soft check with no impact on your credit score
You want one request to cover working capital, lines of credit, term loans, equipment and invoice financing, Revenue Advance and SBA loans
You run a US or UK business and value choice over a single lender relationship

Choose them if…

You already know Credibly and prefer dealing directly with one established lender
You want a single provider handling your application from decision through to funding

Credibly, common questions

Is Capvant a lender?

No. Capvant is a funding marketplace. We don't lend money or decide credit ourselves, we match your details to a panel of funders and present their offers so you can compare and choose. The funder you pick makes the credit decision and provides the funding.

How is Capvant different from Credibly?

Credibly is a direct online lender that funds from its own book, so you get one provider's offer. Capvant is a marketplace, so one request brings back offers from several funders to compare side by side. Both are legitimate routes, one is a single relationship, the other is a comparison.

Will comparing hurt my credit score?

No. Capvant's first step is a soft check with no impact on your credit score. A hard check only happens later, and only with the specific funder you choose to move forward with.

Can I use both Capvant and Credibly?

Yes. Some owners get a direct quote from Credibly and also compare through Capvant to benchmark it against other funders. Because Capvant's first step is a soft check, comparing costs you nothing and doesn't affect your score.

What do I need to get started?

Just some basic details about your business and what you need funding for. That's enough for the soft-check first step, after which you can review comparable offers before deciding whether to proceed with any funder.

Compare real offers in minutes

Make one request and compare competing offers from a network of vetted funding partners. Soft check, no impact on your credit score.

Soft check · no impact on your credit score.²

Disclaimers & footnotes

1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.

Capvant is a trading name of Granton Hale Capital LLC. Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).

Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.

Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.

If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your application results in funding. This does not increase your cost unless expressly disclosed.

Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.

Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.

Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.

Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.

By submitting an application or funding request, you authorise Capvant to share relevant business, owner, application and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.

Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.