# Credible Lending

> Credible Lending provides small and mid-sized U.S. businesses with lines of credit, term loans and equipment financing from $10,000 to $5 million, with same-day decisions, a soft credit check to apply and a dedicated U.S.-based advisor. Typical requirements: 1 year in business, $10K+ in monthly revenue, 625+ FICO score. Founded 2023. Contact: info@crediblelending.com.

## Funding products
- [Business line of credit](https://crediblelending.com/funding/line-of-credit): $10K – $5M, up to 24 months. $10K to $5M in revolving credit. Pay only for what you draw.
- [Term loans](https://crediblelending.com/funding/term-loans): $10K – $5M, up to 60 months. One lump sum, fixed payments, up to 60 months.
- [Equipment financing](https://crediblelending.com/funding/equipment-financing): Up to 100% of equipment cost, matched to the equipment's useful life. Get the equipment now. It secures the loan.
- [Working capital loans](https://crediblelending.com/funding/working-capital): $10K – $2M, 3 to 18 months. Fast funding for everyday business costs.
- [Revenue-based financing](https://crediblelending.com/funding/revenue-based-financing): $10K – $2M, until the agreed total is repaid. Payments that rise and fall with your sales.
- [Invoice financing](https://crediblelending.com/funding/invoice-financing): Up to 90% of invoice value, settled when your customer pays. Get paid on invoices now, not in 30 to 90 days.

## Industries
- [Restaurants & food service financing](https://crediblelending.com/industries/restaurants): Kitchens, cafés, bars, catering and food trucks.
- [Retail & ecommerce financing](https://crediblelending.com/industries/retail-ecommerce): Storefronts, online brands and omnichannel sellers.
- [Healthcare & medical financing](https://crediblelending.com/industries/healthcare): Clinics, specialists, home health and med spas.
- [Dental practices financing](https://crediblelending.com/industries/dental): General, specialty and multi-location practices.
- [Construction & trades financing](https://crediblelending.com/industries/construction): General contractors, subs, electricians, plumbers and HVAC.
- [Transportation & trucking financing](https://crediblelending.com/industries/trucking): Owner-operators, fleets, logistics and freight.
- [Manufacturing & distribution financing](https://crediblelending.com/industries/manufacturing): Production, fabrication, wholesale and distribution.
- [Auto repair & service financing](https://crediblelending.com/industries/auto-repair): Repair shops, body shops, dealers and detailers.
- [Professional services financing](https://crediblelending.com/industries/professional-services): Law, accounting, consulting, agencies and staffing.
- [Fitness & wellness financing](https://crediblelending.com/industries/fitness): Gyms, studios, boxes and wellness centers.
- [Veterinary financing](https://crediblelending.com/industries/veterinary): General, specialty, emergency and mobile practices.
- [Technology financing](https://crediblelending.com/industries/technology): IT services, SaaS, MSPs and hardware resellers.

## Guides and articles
- [How to qualify for a business line of credit](https://crediblelending.com/guides/how-to-qualify-for-a-business-line-of-credit): The four numbers lenders check, what counts as strong, and how to prepare an application that gets a same-day decision.
- [Line of credit vs. term loan: which fits your business?](https://crediblelending.com/guides/line-of-credit-vs-term-loan): A side-by-side comparison of cost, flexibility and repayment, with a simple rule for choosing between them.
- [Equipment financing, explained](https://crediblelending.com/guides/equipment-financing-explained): How equipment loans work, what they cost, and how to decide between financing, leasing and paying cash.
- [Cash-flow gaps: why profitable businesses run short, and how to bridge them](https://crediblelending.com/blog/cash-flow-gaps-and-how-to-bridge-them): Profit and cash aren't the same thing. Here's where the gap comes from and five ways to close it.
- [What a soft credit check means when you apply for business funding](https://crediblelending.com/blog/what-a-soft-credit-check-means): Soft pulls, hard pulls, and when each one happens during a business funding application.
- [How to read a business funding offer](https://crediblelending.com/blog/reading-a-funding-offer): Factor rates, APR, total payback and fees: what each term means and which number to compare.

## Calculators
- [Loan calculator](https://crediblelending.com/tools/loan-calculator): Monthly payment and total interest on a fixed-rate term loan.
- [Line of credit payment estimator](https://crediblelending.com/tools/payment-estimator): Weekly payment on a draw, given a term and rate.
- [Funding estimator](https://crediblelending.com/tools/funding-estimator): A rough range for how much your business could qualify for.
- [Factor rate to APR converter](https://crediblelending.com/tools/rate-converter): Translate a factor rate into an approximate APR to compare offers.
- [Break-even calculator](https://crediblelending.com/tools/break-even-calculator): How many units or dollars of sales it takes to cover costs.
- [DSCR calculator](https://crediblelending.com/tools/dscr-calculator): Your debt service coverage ratio, the number lenders use to size loans.

## Company
- [How it works](https://crediblelending.com/how-it-works): Apply in about three minutes with a soft credit check, same-day decisions, funding often within 24 hours.
- [Compare options](https://crediblelending.com/compare): Credible Lending vs. banks, SBA loans and merchant cash advances.
- [About](https://crediblelending.com/about): Founded 2023, U.S.-based advisors.
- [Apply](https://crediblelending.com/apply)
- [Contact](https://crediblelending.com/contact)
- [Full text for language models](https://crediblelending.com/llms-full.txt)