Credibility Capital Ensures Security and Compliance at Mass Market Exchange Levels with eOriginal

BALTIMORE — eOriginal, Inc. today announced that Credibility Capital, a small business marketplace lender, has adopted Digital Transaction Management (DTM) to help increase security and compliance within its loan financing processes. eOriginal worked with its partner DocuSign, Inc. (DocuSign®) to complete the successful implementation of an end-to-end digital process.

As a leader in prime credit small business loans within the marketplace lending industry, Credibility Capital helps small business customers obtain financing simply and efficiently.

While digital business practices were already at the core of its lending solution, Credibility Capital’s adoption of DocuSign’s eSignature solution simplifies the company’s loan origination process to help accelerate funding and create a best-in-class client experience.

Paired with eOriginal’s eAsset® Management three-tiered solution – featuring eVaulting services, transaction services, and transferrable record services – once an agreement has been executed with DocuSign, the digitally-signed document is deposited into eOriginal’s eVault where the asset is controlled as a secure and legally-binding Authoritative Copy throughout the remainder of the agreement.

eOriginal’s electronic financial asset management functionality provides Credibility Capital with security and compliance at mass market exchange levels – an area that marketplace lending critics often cite as a pitfall of the industry when compared to federally chartered banks. The solution enhances financial flexibility and mitigates risk with its legal compliance with Uniform Electronic Transaction Act (UETA), Federal Electronic Signatures in Global and National Commerce (ESIGN) Act, and Uniform Commercial Code (UCC) Article 9.

Key features of the solution include: an authenticated and secure audit trail throughout the lifecycle of the asset; advanced encryption and tamper seal technology to ensure the integrity of the document; Certified Print® capabilities to produce a legally enforceable version of the contract for a court-ready evidentiary package; and transferrable record services, such as securitization, collateralization and pledging.


  • “In considering a solution for Digital Transaction Management, we looked for efficiency, accuracy and comfort that our lending solution could pass the vetting process of federally chartered banks and large institutions,” explained Brett Baris, President of Credibility Capital. “The unmatched security, compliance, and end-to-end audit trail provided by the joint eOriginal and DocuSign solution provides a level of comfort and trust that is critical for our business, and that we wouldn’t otherwise have had.”
  • “Credibility Capital is the perfect example of how leading marketplace lenders can provide peace-of-mind to their investors by utilizing our Digital Transaction Management solution,” said eOriginal President and CEO Steve Bisbee. “As the marketplace lending industry continues to disrupt traditional lending models, companies who manage their digital transactions throughout their lifecycle in a verifiably secure, legally compliant and enforceable manner will attract more investors with their security and compliance standards.”
  • “DocuSign empowers Credibility Capital and its clients to transact business and close loans anytime, anywhere, on any device – securely,” said DocuSign’s Chief Revenue Officer Neil Hudspith. “We’re pleased to help customers like Credibility Capital drive digital transformation across the lending industry to make loan processing a fast, easy, convenient and secure process for their clients.”

Individuals interested in learning more about Credibility Capital may visit; in eOriginal may visit; in DocuSign’s DTM platform may visit

About Credibility Capital Inc.
Credibility Capital Inc. is a marketplace lender focused on prime small business borrowers. The Company’s platform matches institutional investors with high quality small businesses interested in fair, affordable monthly-pay loans from $10,000 to $250,000. With an easy application process and transparent terms, Credibility Capital is working to help American small businesses grow. For more information, visit

About DocuSign, Inc.
DocuSign® is The Global Standard for Digital Transaction Management®. DocuSign helps more than 100,000 companies across nearly every industry and department make their digital transformation by putting an end to the paper chase. More than 50 million people in 188 countries turn to DocuSign to manage their most important transactions—digitally. DocuSign’s DTM platform supports legally compliant signature processes tailored to meet requirements globally with localization in 43 languages. Every day more than 50,000 new users join The DocuSign Global Trust Network to increase speed to results, reduce costs, enhance security and compliance, and delight clients with a secure digital experience. For more information, visit or call 877.720.2040.

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