Credibly Secures Over $260 Million in New Financing to Expand SMB Lending Operations

DETROIT – Fintech lender Credibly announced on May 12, 2026, that it has secured over $260 million in new financing, a move designed to strengthen its capital base and accelerate the growth of its financing operations for small and medium-sized businesses (SMBs) across the United States. This significant capital injection into a fintech lender highlights a major shift in the SMB financing landscape. While the speed and accessibility offered by platforms like Credibly are undeniable advantages for businesses needing immediate working capital, we've seen clients struggle when they don't fully understand the terms or long-term cost of this convenience. It's crucial for business owners to look beyond the quick approval and evaluate how any new financing fits into their overall financial health. The financing package consists of a new securitization transaction combined with the refinancing of the company's existing warehouse and mezzanine facilities. According to the announcement, the deal was arranged with financial partners Truist Bank and Medalist Partners, an asset-based private credit manager. Truist Securities, Inc. served as the sole structuring agent and bookrunner on the securitization, with Brean Capital, LLC acting as Co-Manager. Company officials stated these transactions expand Credibly’s funding capacity to meet rising demand from SMBs for flexible capital. "Access to quick, efficient, and scalable capital is critical to serving small businesses at the speed they operate," said Ryan Rosett, Credibly's Founder and co-CEO, in a statement. "This financing strengthens our ability to deliver on that promise and positions us for continued growth in 2026 and beyond." Founded in 2010 as RetailCapital, the Michigan-based company has established a significant footprint in the alternative lending market. It has provided access to over $3 billion in working capital to more than 61,000 SMBs across more than 1,000 industries. Credibly leverages a proprietary data-driven underwriting platform, backed by two recently secured AI patents, to streamline approvals and offer financing of up to $600,000, often within hours. The company has a history of navigating challenging economic climates, having operated continuously through the COVID-19 pandemic. Its growth has been supported by institutional trust, demonstrated by its first securitization of assets in 2018 and its 2017 acquisition of servicing rights for a $250 million portfolio from another alternative lender. This latest financing follows a $124 million securitization completed in the first quarter of 2026. This capital raise comes just a week after Credibly announced a strategic partnership with Figure, a financial technology company, on May 5, 2026. The collaboration aims to modernize SMB capital markets by bringing Credibly’s loan and revenue-based financing products onto Figure’s blockchain-based Democratized Prime platform. This move signals Credibly's intent to use advanced technology to further increase the speed and accessibility of its funding solutions. Securing funding is only one part of the equation; the real challenge is integrating it into a sustainable growth plan. In our experience, the most successful businesses are those that approach financing strategically, whether it's from a traditional bank or an alternative lender. This means having a clear understanding of cash flow, debt service capacity, and how the new capital will generate a return. This is precisely the kind of guidance we provide through our capital raising and investor strategy services. A well-structured plan can be the difference between leveraging debt for growth and becoming burdened by it. For business owners looking to navigate these complex financing options, C&S Finance Group LLC at csfinancegroup.com offers the expertise to build that strategy. The expansion of alternative lenders like Credibly addresses a persistent gap in the market. Small and medium-sized businesses account for nearly half of all U.S. jobs and a similar share of the GDP, yet they are often underserved by traditional financial institutions. Reports indicate that less than half of SMB owners receive the full amount of funding they seek from conventional sources, pushing them toward fintech platforms that prioritize speed and more holistic evaluation metrics over traditional credit scores alone. With this new infusion of over $260 million, the market will be watching how Credibly deploys the capital to expand its market share and enhance its technology. The success of its blockchain integration with Figure could also set a new precedent for how capital is delivered and managed in the alternative lending sector.