1,280 files banks said no to. 1,280 we said yes to. $840M placed. $100K minimum approval, guaranteed.
60-second reply · No credit pull · $100K minimum, guaranteed
Banks underwrite by credit score. Platforms underwrite by template. Direct lenders won't touch complex files. We read the actual business, match it to the right lender, and fund it.
Every accepted file starts here. We only take files we know we can place.
Placed across 1,280 operators denied elsewhere first.
Of accepted files close at the quoted terms. We vet the lender before we vet you.
Private lenders who underwrite the files banks won't.
How we stack up against every lender that already said no.
Send what you have. Tax returns, denial letters, bank statements. Fifteen minutes. No pitch decks.
A Credify partner maps a path through the denials. We know which lenders fund which files.
We route your file to the partner most likely to close. No spray-and-pray. One match.
Wire hits your account. $100K minimum, guaranteed. Your partner stays on through year-end.
Whatever shape the file's in, we have the instrument that fits. Every approval starts at $100K. Guaranteed.
Revolving credit priced to your actual cash flow, not your credit score. Draw on demand, repay as revenue clears. For operators banks call “too volatile” and platforms call “too complex.”
Fixed amortization for operators building balance sheets banks can’t read yet. No prepayment penalties.
Same-week capital for closings that can’t wait four weeks on a bank’s schedule.
Collateralized placements when liquid capital is tight and the machine still has to be on the floor Monday.
Senior and mezzanine structures for properties banks flag as “complex.” Underwritten by the asset, not the algorithm.
1,280 operators denied elsewhere. 1,280 Credify closes. Three of them, in their own words.
Four banks passed. Two platforms timed us out. Credify closed a $400K working capital line in 11 days. I can actually run my business now.
We needed $1.2M by Friday. Our bank said three weeks. Credify said Tuesday. Wire hit the account Friday morning. No drama.
Two banks said our cash flow was “too seasonal.” Credify read our real ledger, found the lender who understood it, and funded $750K at terms that actually work.
Tell us about your business and see what products you may be eligible for.
These estimates are for illustrative purposes only and do not constitute a loan offer or guarantee. Actual amounts, rates, and eligibility vary by lender, product, creditworthiness, and other factors. Not financial advice.
Four fields. We reply in 60 seconds with a path to capital. No credit pull.
No. Getting a custom quote involves no credit pull. You get a reply in 60 seconds, and nothing touches your credit report until you choose to move forward with a matched lender.
Every file we accept starts at a $100K approval. We only take files we know we can place, which is why 99% of accepted files close at the quoted terms.
No. Credify is a capital advisory desk. We read your actual business and route your file to the one lender among 100+ private capital partners most likely to fund it.
That is exactly who we’re built for. 1,280 files banks said no to, 1,280 we said yes to, $840M placed. If you haven’t been turned down at least once, try the banks first. We’re built for what comes after.
24 hours to 6 days depending on the instrument, versus 30–90 days at banks and platforms. The application takes under 4 minutes, and bridge structures can close the same week.
There is no minimum FICO floor. Our partners underwrite the actual business — cash flow, assets, and the file — not a credit-score template.