The Credibly Fair Credit is a business loan from Credibly. The annual fee is $0. The ongoing APR is Factor rates as low as 1.11. Approval typically requires a credit score of 500 or higher or higher. Rewards: false. Typical credit limit: Up to $600,000 (advertised across Credibly products; no working-capital-specific range). Funding speed: as fast as 24 hours. Minimum annual revenue: $15,000+. Minimum time in business: 6+ months. This product reports activity to your personal credit report. Merchant cash advance and working capital. Need $15K+/month revenue and 6+ months in business. Daily repayment. Fast approval and funding.