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 publishes 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 📡 Source on GitHub

11.3/100 emerging ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessPaidApproval

1 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 11.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 6.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 3/100 · 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

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/.

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 github.com/api-evangelist/credibly: open an issue to ask a question, or submit a pull request to add artifacts. 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...

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: medium
  source:
  - plans
  generated: '2026-07-22'
  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

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/credibly"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/credibly/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/credibly/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.