The Credibly Working Capital Fair Credit is a business loan from Credibly Working Capital. The annual fee is $0. The ongoing APR is Factor rate 1.11 - 1.15. Approval typically requires a credit score of 500+ or higher. Rewards: false. Typical credit limit: $5,000 - $400,000 (up to $600,000). 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.