Looking for a Credibly alternative? Start with the whole market.

Direct funder of working capital and revenue-based advances for credit-challenged businesses. That works well for the files that fit its box. Night Fox Funding is built differently: one application, a national network of lenders, and competing offers you compare before choosing.

Pre-qualify in 4 minutes 612-927-2055

10Programs placed

$10K–$50MFunding range

$0Upfront fees

Fair assessment

What Credibly does well

Accepts lower credit scores
Fast funding timelines
Understands merchant revenue patterns

Best for: Owners who only want revenue-based capital and want it from a direct funder.

Where it stops

Single credit box and single price
No cheap products — no SBA, no bank-rate lines
Renewal terms set by one funder

What we do differently

Same speed, but with the cheap options priced alongside the fast ones
Independent advice on whether the advance is sized correctly for your slow month
Consolidation modeling if you already carry positions

Compare offers Talk to Travis · 612-927-2055

We are not affiliated with Credibly. Details here reflect publicly described products and change over time — verify current terms with the provider directly.

Direct vs brokered

One credit box, or the whole market.

	Single direct lender	Night Fox Funding
Applications	One per lender	One, submitted to many
After a decline	Conversation ends	File routes to the next lender
Programs available	That lender's shelf	10 programs, $10K–$50M
Offers to compare	One	Several, side by side
Who reads your file	Usually automated scoring	Travis, personally
Upfront cost	Varies	None — funder pays at close
Credit impact to see options	Varies by lender	Soft review, no impact

Switching questions

Before you decide.

No. Broker compensation comes out of the funder's fee, and because several funders bid, the winning price is often below what a single direct application produces.

Usually not. Ask for a consolidation model first — one longer facility often cuts total daily remittance substantially.

All 30 questions Ask Night Fox something else

Other comparisons

Ready when you are

When your bank says no. We find who says yes.

Send the offer you already have. We will shop your file across the network and tell you plainly whether we can beat it — and if we cannot, we will say so.

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Soft review · No obligation · No impact on your credit score

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Funding programs

Looking for a Credibly alternative? Start with the whole market.

What Credibly does well

Where it stops

What we do differently

One credit box, or the whole market.

Before you decide.

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When your bank says no. We find who says yes.