About Credified
30 Years Serving the Businesses Banks Consistently Ignore
The team behind Credified has worked commercial and industrial lending for 30 years — with one consistent focus: small businesses that traditional lenders decline, delay, or dismiss. That segment makes up approximately 90% of all U.S. businesses. It receives about 10% of the attention. Credified was built to close that gap.
Our Genesis
Why Credified Exists
For 30 years, our team watched the same problem repeat: small businesses with real revenue and real potential, turned away by lenders who either couldn’t serve them or didn’t want to. The landscape got worse after 2024.
- Traditional lenders tightened criteria post-2024 — declining applicants they would have approved two years earlier
- The SBA stopped paying off MCA obligations in Q3 2025, removing the last government-backed exit ramp for thousands of businesses
- Most marketplace alternatives charge 15% or more, run hard pulls before showing a single option, and provide no consultancy
- The businesses that need help most are the ones the system is least equipped to serve
Credified’s answer to that: a lower fee, real consultancy, and the honest conversations most of this industry refuses to have.
The Credified Difference
Structural Differences. Not Marketing Differences.
The gap between Credified and most marketplace lenders is not about tone or branding. It is built into the fee structure, the assessment process, and how we communicate with clients.
No Fees Until You're Funded
No retainer. No application fee. Nothing upfront. You pay only when funds are confirmed in your account. The engagement is contingent — that is a legal term Credified puts in writing, not a sales phrase.
Consultancy, Not Just a Marketplace
Other platforms submit your application and wait. Credified runs a six-factor financial analysis first — credit profile, earnings, debt structure, business type, UCC filings, and tax professional coordination where applicable — then matches you to lenders most likely to approve your specific profile.
Honest About What We Can't Do
Not every business is a fit. When it is not, we say so — clearly, quickly, before any hard pulls or signed agreements. Our reputation depends on straight answers, not on closing every application that comes through the door.
in Credit Facilities Arranged
By the team behind Credified
Commercial Lending Experience
Specifically serving businesses with 25 employees or fewer
of U.S. Businesses
The businesses that make up 90% of the economy — and get 10% of the attention from traditional lenders
See What Your Business Actually Qualifies For.
One minute. Zero credit impact. No fees until you’re funded.
