Small business loans without the hoops

  • Pre-qualification in minutes
  • Funding in less than 24 hours
  • Funding range from $5K to $600K

The right loans for your business

Working capital loan

Get business loans that work for you

These short-term loans are the fastest business loans that stabilize your cash flow and meet immediate business needs.

Working capital loans are perfect for businesses with steady revenue. They are ideal for business owners who need flexible, short-term funding without the hassle.

Merchant cash advance

Fluctuating revenue? Not a problem

Merchant cash advances are perfect for businesses with seasonal and fluctuating revenue. We don’t just look at your P&L, we look at your business’s potential.

Pay what you can afford

Remittances are based on actual or anticipated daily credit and debit card sales, meaning you don’t have to choke your cash flow on fixed monthly payments.

Business line of credit*

Funding when you need it

Apply once and get access to a revolving line of credit up to $300,000. Now that’s stress-free financing when you need it.

Pay only on what you draw

Enjoy lower interest rates than business credit cards. And you’ll pay interest only on the amount that you actually use.

More financing options*

This short-term, specific loan handles your equipment repair, replacement, or purchase. We’ll help keep you moving without the headache of running your numbers one more time.

Designed for business owners with a proven track record of success and financial security, this is the loan you need to create the business you’ve always envisioned.

We’re invested in your success as a small business owner. We have loan programs made to help you succeed and grow into the future.

Get small business loans today that let you grow, not owe

Flexible small business loans

Borrowing more than enough capital can often be just as stressful as not having enough. We’ll help you get a small business loan that’s right for you.

You’re more than a credit score

Turned down by the banks for a loan for your small business? We know the right help at the right time can mean everything to a small business owner.

Even more options for loans for new small businesses*

* some products are made available through Credibly’s network of external funding partners

Invoice factoring

Turn your unpaid invoices into cash to fuel business growth.

Equipment financing

Get the equipment you need without hurting cash flow with this small business financing option.

Long-term business loans

Meet your goals with this convenient loan.

All small business financing options

Browse all our small business loans and financing options.

What customers say about our small business loans

What customers say about our small business loans

Experience the Credibly advantage

See the ease and speed of working with an innovative alternative lender when you apply for business financing with Credibly. 

Flexible financing with a data-driven approach

We know a credit score doesn’t always paint a full picture of your business. At Credibly, we use data science to better evaluate your business as a whole.

Fast and secure financing made easy for you

Our state-of-the-art online checkout empowers eligible customers to complete the funding process securely and on their own time.

Best small business loans

Tailored to your short-term needs and long-term goals

Get a small business loan that meets your unique needs. Choose from one of the widest range of loan programs.

Work with a dedicated loan officer

Get support when you apply for a small business loan. We’ll help you compare and apply for working capital loans and other financing options that fit your needs.

How to apply for a small business loan online

Step 1

Pre-qualify online

Click the “Get Started” button, enter some basic business information, and pre-qualify for a small business loan online.

Step 2

Approval in less than 4 hours

Once approved, a small business loan advisor will reach out to you with the options you qualify for and help you choose the best business loan or financing product for your situation.

Step 3

Receive same-day funding

Funds are deposited directly into your bank account so you can use your funding immediately. Automatic daily and weekly payment and remittance options are available.

Why Credibly is the obvious choice for small business loans

Credibly’s mission is to provide small and medium-sized businesses like yours with streamlined access to the funding you need to operate and grow.

*Some products are made available through Credibly’s network of external funding partners **Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates are available to merchants with excellent credit and financial strength.


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$2.5+ Billion

In small business financing


Businesses funded

Small business loans — the Credibly difference

Bank Loans
Credit Cards
SBA Loans
Funding Range
Credit dependent
Credit dependent
Pre-qualify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Prequalify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Approval Time
Less than 4 hours
Less than 30 Days
Time to Funding
Same day from approval
2-3 Months
7-10 Business days
60-90+ Days
Approval Criterias
Overall business health
Credit score and collateral
Credit score
Credit score and collateral

FAQs for loans for small business

Credibly helps small and medium-sized businesses get funding. We strive to be a trusted and committed partner to you, our customers. We make getting loans for businesses affordable, simple, and transparent.

We work with small and medium-sized businesses to connect them with much-needed capital. Credibly combines data science with a human touch, and we work directly with you to get the best company loans or financing for your unique needs, so you can focus on your products and services.

Wondering “how do I get a business loan”? Take ten minutes to pre-qualify for small business loans online and we will respond with the best funding options for you. Depending on your application, you may be eligible for online checkout so you can review your contract and checkout securely and in your own timing.

You can get funds in your bank account in as little as 24 hours.

Pre-qualify Now

Credibly is a direct lender of working capital loans and merchant cash advances. Through our partners, we offer SBA loans, business lines of credit, equipment financing, long-term loans, and invoice factoring.

Our financing experts can help you:

  • Review the available financing and loans for small business owners
  • Determine which loan or financing is right for you
  • Complete the application for a business loan and financing
The eligibility requirements for Credibly’s small business loans and financing depend on which one you’ve selected and are based on a business owner’s specific credit history and creditworthiness. Generally, you need to have:
  • Six months or more time in business
  • Credit score of over 500*, and
  • Average monthly revenue of $15,000+ ($180,000+ in annual revenue). ***$15K+ avg. deposits for a three-month average and the most recent month. Rates, pricing, requirements, and other terms and conditions are subject to change without notice. ***
Specific requirements will vary.

Some funding products like merchant cash advances and invoice factoring are less credit dependent because these financing products are based on sales instead of a credit report.

Similarly, equipment financing does not have as much emphasis on credit because the equipment can be used as collateral if you default on your loan. Many of our financing solutions can help you build business credit as well.

Startups almost never qualify for traditional bank loans, and that is true for Credibly’s business loans and financing as well.

However, there are a lot of options in small business loans and financing for new businesses and startups, including:

  • Business credit cards
  • Personal loans
  • Your own savings

“Flexible” means that you can use the capital to fund whatever your business needs.

Some business financing is flexible in its usage, such as a working capital loan, business expansion loan, merchant cash advance, business line of credit, or SBA loan.

However, some loan and financing options are not flexible. Equipment financing can only be used to purchase or lease equipment. Any type of real estate loan will also be specific to funding a physical business location.

Before asking “how to apply for a small business loan or financing?” you should first consider whether the capital will help your business grow or help your business survive a crisis.

If you don’t have a good reason for business financing, the fees and interest can really add up.

However, if the business financing will help you buy new equipment, hire needed staff, or survive a crisis like the COVID-19 pandemic, then you should consider each of the following questions when reviewing the financing option.

  1. How much capital does my business need?
  2. How much is the interest rate and APR for the financing option?
  3. What are the fees or prepayment penalties for it?
  4. How are monthly payment amounts determined (installments, percentage remittances, etc.?)

A working capital loan is a type of small business loan. The term “small business loan” can also encompass business lines of credit, equipment financing and more.

To qualify for a small business loan, you generally need to have over 6 months time in business, a minimum credit score of 500 and at least $15,000 in average monthly deposits for the past 3 months. However, requirements can vary by lender and may be subject to change.

The factor rate for a working capital loan will depend on the individual business’s health and financial profile. Credibly offers factor rates as low as 1.11.

Small business loans can be used to describe a type of financing where a lump sum of cash is provided at a cost. Examples of a small business loan include a working capital loan or equipment financing.

Getting a small business loan is often easier than getting a traditional bank loans in terms of speed and ability to qualify. Small business financing providers, like Credibly, often have more flexible eligibility criteria, fewer steps in the application process, and can get you funds in as fast as 1 business day from approval.

Applying for a small business loan will depend on the lender. At Credibly, once you fill out an application online, you will need submit documents like your business bank statements and a copy of your government-issued ID. Once you’re approved, you’ll work with a financing expert to review your offer and get your funding.

Many small business loan providers require at least six months in business if not more as well as a minimum monthly revenue to qualify. Many startups many not meet these requirements.

Pre-qualify for a small business loan up to $600,000 online today

The Credibly difference

You need a lender who looks at your business’s potential. Our small business loan company goes beyond traditional bank qualifications to help you get the best business financing options.

$2.5+ billion in business loans

When the traditional banks say no, we talk to you about your business. It’s why we’re trusted by over 46,000 businesses in over 1,000 industries.

We’ve put a human touch in business lending

Other online lenders just run your numbers through their system. We go beyond your credit score and P&L to see the potential in you and your business.

Speak to a loan expert

*Some products are made available through Credibly’s network of external funding partners

**Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates are available to merchants with excellent credit and financial strength.

***$15K+ avg. deposits for a three-month average and the most recent month. Rates, pricing, requirements, and other terms and conditions are subject to change without notice.