Cash advances for your business, repaid as you sell.
We advance against your future card sales — funds in your account in days. No collateral, and it's all done on your phone.
- Funds in days, not weeks
- No collateral — based on your card sales
- Repaid automatically as you sell
HOW IT WORKS
From first call to funded, in a few days
Step 1
We come to you
No application form. Based on your card sales history, we'll tell you the advance you qualify for.
Step 2
Confirm on your phone
Get a secure link by SMS, confirm your details, and accept — a few minutes, all from your phone.
Step 3
Funds in, repay as you sell
We transfer the advance to your bank account, then collect a small fixed amount from your daily card settlements until it's complete.
WHY CREDIBLE
Built around how your business actually trades
Fast
Funds in days, not weeks.
No collateral
Your advance is based on your card sales, not your assets.
Repay as you sell
A small fixed amount from your card settlements each day. No lumpy monthly payments.
Fully transparent
See the full amount and the daily figure before you accept. No hidden charges.
WHO IT'S FOR
Credible is built for Sri Lankan businesses that accept card payments and want quick, flexible working capital — without the forms and waiting of a traditional bank.
WHO'S BEHIND IT
Built by Payable Capital. Backed by Payable.
Credible is a product of Payable Capital, an independent venture backed by Payable — Sri Lanka's largest independent payment network. That gives Credible a deep, real-world understanding of how businesses like yours actually trade, so your advance is built on more than a credit score.
0+
merchants on the network
LKR 0Bn+
processed every year
QUESTIONS
Good to know
Ready to get started?
Talk to our team and find out what your business qualifies for.