name: Credibly FinOps
description: Financial operations considerations for integrating with the Credibly API. Credibly provides small business lending via API V2 to approved broker and referral partners. There is no per-call or metered API pricing — integration costs are indirect, tied to loan origination volume and partner agreement terms.
url: https://www.credibly.com/where-you-can-find-our-financing/
costModel:
  type: Volume-based partnership
  description: API access itself is provided free of charge with no usage-based fees. Revenue sharing and referral fee structures are negotiated per partner agreement and not publicly disclosed.
  apiCost: $0 (no per-call fees for approved partners)
  partnerFees: Negotiated — contact Credibly partner team
loanProductCosts:
  - product: Working Capital Loan
    originationFee: 2.5% of funded amount
    factorRateFrom: 1.11
    repaymentFrequency: Daily or weekly debits
  - product: Merchant Cash Advance
    repaymentType: Percentage of daily card receipts
    factorRate: Varies by risk profile
  - product: Business Line of Credit
    creditLimit: Up to $300,000
    drawFees: Undisclosed — contact Credibly
considerations:
  - Credibly uses factor rates (not APR), so effective cost comparison with bank products requires conversion.
  - Origination fee of 2.5% is deducted from loan proceeds at funding.
  - Daily repayment debits affect borrower cash flow modeling for integrators building repayment projections.
  - Webhook-driven integration model reduces polling costs for API consumers.
  - No public sandbox pricing or test environment costs have been disclosed.
  - SOC 2 compliance may reduce security audit overhead for enterprise integrators.
partnerPortal: https://portal.credibly.com/
contact: https://www.credibly.com/contact/