Alvara Capital vs. Credibly
An honest side-by-side comparison to help you choose the right business funding partner.
At a Glance
Direct lender offering working capital loans, business expansion loans, equipment financing, and MCAs. Founded 2010.
Alvara Capital
Direct lender- Amount range$10,000 – $1,000,000
- Time in business6 months minimum
- Monthly revenue$10,000+
- Min credit scoreNone required
- Funding speedSame day to 24 hours
Credibly
Direct lender- Amount range$5,000 – $600,000
- Time in business6 months
- Monthly revenue$15,000
- Min credit score500+
- Funding speed24–48 hours
Products Offered
Alvara Capital
- Business line of credit
- Business term loan
- Revenue advance
- Equipment financing
- Debt consolidation
- Short-term loan
Credibly
- Working capital loans
- Business expansion loans
- Equipment financing
- Merchant cash advance
Credibly: Pros and Cons
Based on publicly available information and industry reputation.
Strengths
- Multiple product types under one roof
- Accepts credit scores as low as 500
- Established direct lender (founded 2010)
Tradeoffs
- Requires $15,000+ in monthly revenue (higher bar than Alvara)
- Maximum capped at $600K — lower than some competitors
Where Alvara Capital has an edge
Specific areas where Alvara Capital's terms or process compare favorably to Credibly.
Credibly is a good fit if:
Businesses with $15K+ monthly revenue and 500+ FICO seeking working capital or expansion funding.
Alvara Capital is a better fit if:
You have a credit-challenged profile, need same-day funding, have been in business at least 6 months, generate $10K+ in monthly revenue, and want a single direct relationship rather than a broker or multi-lender marketplace.
Frequently Asked Questions
What is the difference between Alvara Capital and Credibly?
Alvara Capital is a direct lender offering business funding from $10,000 to $1,000,000 with no minimum credit score required, 6 months minimum time in business, and same-day approval. Credibly is a direct lender: Direct lender offering working capital loans, business expansion loans, equipment financing, and MCAs. Founded 2010.
What credit score do you need for Credibly?
Credibly typically requires a credit score of 500+. By comparison, Alvara Capital has no minimum credit score requirement and evaluates applications based on business revenue and time in operation.
How fast does Credibly fund?
Credibly typically funds within 24–48 hours. Alvara Capital offers same-day approval with funding typically completed within 24 hours of acceptance.
How much can you borrow from Credibly?
Credibly offers funding amounts of $5,000 – $600,000. Alvara Capital offers funding from $10,000 to $1,000,000 depending on revenue and business profile.
Ready to see what Alvara Capital can offer?
Apply in minutes. No minimum credit score required. Same-day approval. No impact on your personal credit to check your offer.