Credibly
MCA Review
Is Credibly a Legal MCA or an Illegal Disguised Loan?
We Listen • We Fight • You Win
Is Credibly's MCA Agreement Legal?
As of 2026, our firm has identified several RED FLAGS in Credibly (Retail Capital LLC) agreements that may indicate their products are not true merchant cash advances, but rather disguised high-cost loans.
Our attorneys have reviewed hundreds of Credibly contracts. If Credibly has debited your account without consent, placed a UCC lien on your receivables, sent your account to aggressive collections, or buried key terms in their factor rate disclosures, you need legal defense immediately.
Grant Phillips Law has successfully litigated over 600 MCA and fintech lending cases and provides nationwide representation to businesses just like yours.
Credibly's
Red Flags Identified
-
Opaque Factor Rate Pricing
Factor rates as low as 1.11 sound deceptively low but translate to effective APRs of 30% to over 100% annually. -
Daily ACH Remittances
Automatic daily or weekly ACH pulls drain cash flow with no flexibility or ability to defer payments during slow periods. -
UCC Liens on All Receivables
Blanket UCC-1 filings placed against all business receivables, blocking access to outside capital or future financing. -
Not BBB Accredited
Credibly is not BBB accredited, raising serious concerns about accountability and business transparency practices. -
Aggressive Collection Tactics
Defaults trigger immediate escalation to third-party collectors, personal guarantee enforcement, and credit reporting.
How Credibly Operates
Factor Rate Deception
Credibly advertises factor rates as low as 1.11, obscuring true annualized costs that can exceed 100%, far beyond what is disclosed in their agreements.
Daily ACH Sweeps
Automatic daily ACH debits are taken from your bank account regardless of actual revenue performance, with reconciliation requests rarely honored in practice.
UCC Liens on Receivables
Blanket UCC-1 filings are placed against all business receivables at funding, making it nearly impossible to obtain credit elsewhere or exit the position.
Personal Guarantee Enforcement
Despite marketing no collateral required, Credibly enforces personal guarantees upon default, exposing business owners to personal credit damage and debt collection.
Contact Information
Retail Capital LLC (d/b/a Credibly)
Important: If Credibly has contacted you regarding outstanding balances, do not negotiate directly. Contact Grant Phillips Law first for a free legal review of your contract and obligations.
The Solution You Need
We Fight For
Your Business
How We Fight Back
Grant Phillips Law deploys proven legal strategies to protect your business and restore your financial freedom.
Contract Illegality Defense
We scrutinize every Credibly agreement for predatory terms, hidden fees, and misrepresented factor rates that may render the contract unenforceable under applicable law.
Debt Settlement Solutions
Our attorneys negotiate directly with Credibly to reduce your outstanding balance and reach favorable settlements that allow your business to recover and move forward.
UCC Lien Removal
We challenge and remove unlawful UCC liens placed against your business assets and receivables, restoring your cash flow and access to legitimate outside capital.
I was drowning in MCA debt with daily debits draining my account. Grant Phillips Law negotiated a settlement I never thought possible. They genuinely care about their clients and fight hard for results. I can't recommend them enough.
— Verified Client • Business Owner • Grant Phillips Law
Get a Free Consultation Today
Don't let Credibly destroy what you've worked so hard to build. Call now.
➤ Call (516) 670-5165