Credibly

Credibly is a small business lending platform offering a REST API (API V2) for originating merchant cash advances, working capital loans, business lines of credit, equipment financing, and SBA loans through an approved broker and referral partner network. The API supports application submission, multi-part document uploads, stipulation identification, and webhook-based status notifications within a SOC 2-compliant environment.

Credibly is listed with 1 API on the APIs.io network. Tagged areas include Small Business Lending, Merchant Cash Advance, Working Capital, Business Loans, and Fintech.

Credibly’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

10.6/100 minimal ▬ flat Agent 1/100 human only Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaidApproval

1 API

Small Business Lending Merchant Cash Advance Working Capital Business Loans FintechLending APIPartner Integration

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 10.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 3.1 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 1/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points
Access Clarity scores 18.4 — up to +16.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/credibly/apis.yml: open an issue on github.com/api-evangelist/credibly to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Credibly Lender API

REST API (V2) enabling approved broker and referral partners to submit loan applications, upload supporting documentation, receive webhook-based status updates, identify outstan...

Credibly API pricing

Not yet checked against Credibly's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Working Capital Loan	—
Merchant Cash Advance	—
Business Line of Credit	—
Equipment Financing	—
Long-Term Business Loan	—
SBA Loan	—
API Partner Integration	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Credibly Plans Pricing

7 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Credibly Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Credibly Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Credibly Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

PartnerPortal

PartnerPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Contact

Contact

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: credibly
name: Credibly
description: Credibly is a small business lending platform offering a REST API (API V2) for originating merchant cash advances,
  working capital loans, business lines of credit, equipment financing, and SBA loans through an approved broker and referral
  partner network. The API supports application submission, multi-part document uploads, stipulation identification, and webhook-based
  status notifications within a SOC 2-compliant environment.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Paid · Requires approval
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/credibly.png
url: https://raw.githubusercontent.com/api-evangelist/credibly/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
type: Index
tags:
- Small Business Lending
- Merchant Cash Advance
- Working Capital
- Business Loans
- Fintech
- Lending API
- Partner Integration
apis:
- aid: credibly:credibly-lender-api
  name: Credibly Lender API
  description: REST API (V2) enabling approved broker and referral partners to submit loan applications, upload supporting
    documentation, receive webhook-based status updates, identify outstanding stipulations, and track application lifecycle
    for small business financing products including merchant cash advances, working capital loans, and business lines of credit.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.credibly.com/where-you-can-find-our-financing/
  baseURL: https://api.credibly.com
  tags:
  - Lending
  - Merchant Cash Advance
  - Working Capital Loans
  - Business Lines of Credit
  - Loan Origination
  - Document Upload
  - Webhook
  - Partner API
  tags_raw:
  - Lending
  - Merchant Cash Advance
  - Working Capital Loans
  - Business Lines of Credit
  - Loan Origination
  - Document Upload
  - Webhooks
  - Partner API
  properties:
  - type: Documentation
    url: https://www.credibly.com/where-you-can-find-our-financing/
  - type: PartnerPortal
    url: https://portal.credibly.com/
  - type: Plans
    url: plans/credibly-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/credibly-rate-limits.yml
  - type: FinOps
    url: finops/credibly-finops.yml
common:
- type: DomainSecurity
  url: security/credibly-domain-security.yml
- type: Website
  url: https://www.credibly.com/
- type: Documentation
  url: https://www.credibly.com/where-you-can-find-our-financing/
- type: Blog
  url: https://www.credibly.com/incredibly/blog/
- type: Pricing
  url: https://www.credibly.com/working-capital-loans/
- type: LinkedIn
  url: https://www.linkedin.com/company/credibly
- type: X
  url: https://x.com/credibly360
- type: PartnerPortal
  url: https://portal.credibly.com/
- type: Contact
  url: https://www.credibly.com/contact/
- type: Plans
  url: plans/credibly-plans-pricing.yml
- type: RateLimits
  url: rate-limits/credibly-rate-limits.yml
- type: FinOps
  url: finops/credibly-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Credibly API — frequently asked questions

Does Credibly have an API?

Yes. APIs.io lists 1 API from Credibly, including Credibly Lender API.

How much does the Credibly API cost?

APIs.io lists 7 pricing plans for Credibly, with each plan's price, limits and inclusions under Pricing on this page.

Is the Credibly API ready for AI agents?

Credibly has a Kin Score of 10.6 out of 100 (minimal) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-06.

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