Credibly Just Fixed the Thing ISOs Complain About Most

A new API, a Cloudsquare integration, and a three-step checkout, because nobody should lose a deal to a file upload error.

Nobody has ever funded a deal faster because the application form had more fields. Credibly, apparently, took that logic seriously. On March 11, the Detroit-based working capital company announced a set of infrastructure upgrades targeting the two places where deal momentum most commonly dies: the merchant application and the ISO submission queue.

The headline feature is a redesigned Online Checkout that compresses the merchant application to three steps. That's it. Three. The platform now handles device synchronization, so a merchant who starts on their phone can finish on a laptop without losing progress, tightens security, and crucially, lets applicants correct errors without restarting from scratch. If you've ever watched a funded deal evaporate because a merchant hit submit, got an error, and just gave up, you understand exactly what problem this solves.

API V2: The Upgrade ISOs Actually Needed

The merchant-facing improvements are clean, but the ISO-facing upgrade is where the real operational lift is. Credibly's original API handled everything, application data, supporting docs, the works, in a single submission call. Straightforward in theory, fragile in practice. One missing document tanked the whole submission.

API V2 breaks that into a structured multi-part process. Stipulation identification now clarifies upfront exactly which documents are required. ISOs can upload files in pieces rather than one monolithic package. Outstanding documentation for incomplete applications is visible in the system, no more calling the rep to find out what's missing. And webhook functionality pushes real-time status updates back to partner systems automatically, so ISOs aren't refreshing a portal wondering where their deal went.

"By strengthening both the merchant and broker experience at the same time, we are reinforcing our commitment to operational discipline and transparency."— Minyang Jiang, Chief Strategy Officer, Credibly, March 2026

Cloudsquare: The Integration That Matters for Salesforce Shops

Alongside the API upgrade, Credibly announced a direct integration with Cloudsquare Broker, a Salesforce-powered CRM built specifically for alternative lenders. Partners on Cloudsquare can now connect directly to Credibly's Lender API to automate submissions, receive live status updates, and manage stipulations without leaving their CRM. Credibly is offering the integration license for free with no usage limits, which removes the one objection most ISO principals have before they test a new integration.

For context on why this matters: Credibly has deployed over $3 billion in capital to more than 60,000 small businesses since 2010. They're one of only two alternative lenders that maintained their asset-backed securitization through COVID. Their infrastructure credibility is not in question. What was in question, based on market feedback and some honest online reviews, was the friction in the submission process. These upgrades are a direct response to that.

The Bigger Picture

The timing is worth noting. Credibly's tech investment comes at a time when other revenue-based funders have recently launched online checkout, including Expansion Capital, and when Newtek Bank announced a seven-day term loan explicitly targeting the MCA customer base. The broader industry is watching banks finally attempt to compete on speed. The alternative lending players who will weather that pressure best aren't necessarily the ones with the lowest factor rates; they're the ones whose broker partners have the fewest reasons to route deals elsewhere. Reducing submission friction is exactly how you hold that relationship.