In this video, I’m breaking down Credibly — an online lender that can go up to $400,000 with a minimum 500 FICO, and yes, a soft pull up front. I walk you through why this matters if your credit score is looking a little “rough” but your business cash flow is consistent. They can work with businesses that don’t qualify elsewhere, and in some cases they’ll move fast — I’m talking offers in a couple hours and funding as quick as same day, depending on what you submit and how clean your file is. I also keep it real about the fine print: rates can be expensive, fees can pop up, and they’re going to protect themselves with a personal guarantee and a UCC-1 blanket lien. I explain the eligibility and documents they may ask for (bank statements, ID, voided check, lease/mortgage statement, and tax returns if you’re going over $100K). Then I break down the loan “typology” so you don’t apply for the wrong thing — working capital loans, merchant cash advances, business expansion loans, lines of credit, SBA loans, equipment financing, and invoice factoring — plus what repayment can look like (daily/weekly in some cases). My final verdict: Credibly can be a solid option for poor credit, but boss, compare offers first.