# Credibly

**Canonical:** https://apis.io/providers/credibly/  
**Website:** https://www.credibly.com/  
**APIs profiled:** 1

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.

## Kin Score — 11.3 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.3).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 3.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Requires approval — onboarding: approval, pricing: paid, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (1)

- **Credibly Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Credibly Plans Pricing**

## Tags

Small Business Lending, Merchant Cash Advance, Working Capital, Business Loans, Fintech, Lending API, Partner Integration

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/credibly/). Scores are computed from the provider's own public artifacts under a published rubric.