What Customers Say About Our Small Business Loans

“With the other lenders I’ve dealt with, I could never get a straight answer on what it was going to take to borrow money, and exactly what it would take for me to pay it back. With Credibly, it was awesome. Every question was answered, there was no red tape, it was straight to the facts… they understand small business.”
Rochelle Hunter Mosley
Salon 804
Financing Options for Small Business Owners

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.

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 sheet, we look at your business’s potential.
Pay What You Can Afford
Remittances are linked to daily credit and debit card sales, meaning you don’t have to choke your cash flow on fixed monthly payments.

Funding When You Need It
Apply once and get access to a revolving line of credit up to $250,000. 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.

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 company loan you need to create the business you’ve always envisioned.
Small Business Financing
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.
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.
- Apply for a small business loan and financing online
- Get approved in as little as 4 hours
- Funds deposited directly into your account
- Daily, weekly, and monthly* payment and remittance options
- Factor rates*** as low as 1.11
- 4.8 out of 5 rating on Trustpilot
Even More Options for Small Business Financing
Equipment Financing***
Get the equipment you need without hurting cash flow with this small business financing option.
Learn more >
All Small Business Financing Options
Browse all our small business loans and financing options.
Learn more >

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 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 due to credit score? We know the right help at the right time can mean everything to a small business owner.
Experience the Credibly Advantage
Stop wasting time wondering “how can I get a small business loan?” Find the right loan, get approved and receive same-day funding.
4.7/5 RATING
On Google reviews
4.8/5 RATING
On TrustPilot
$2+ Billion
In small business financing
30,000+
Businesses funded
How to Apply for a Small Business Loan Online?

Pre-Qualify for Small Business Loan Online
Click the “Get Started” button, enter some basic business information, and pre-qualify for small business loan online.

Small Business Financing Approval in as little as 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.

Funds Deposited Into Your Account
Funds are deposited directly into your bank account so you can use your funding immediately. Automatic daily, weekly, and monthly**** payment and remittance options available.
Loans Tailored to Your Small Business Needs
Tailored To Your Short-Term Needs and Long-Term Goals
Get a loan that meets your unique needs. Choose from one of the widest range of loan programs amongst any direct lenders.
Work With a Dedicated Loan Officer
Get coaching when you apply for a loan. We’ll help you compare and apply for working capital loans, merchant cash advance or business line of credit and other financing options that fit your needs.

Small Business Loans — The Credibly Difference
Credibly | Bank Loans | Credit Cards | SBA Loans | |
Funding Range | $5K-$400K | $100K | Credit dependent | Credit dependent |
Process | Pre-qualify online Soft credit pull only | Long loan 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 | As soon as same day | Weeks-Months | Less than 30 Days | Months |
Time To Funding | As soon as same day from approval | ∼ 2-3 Months | 7-10 Business days | 60-90+ Days |
Approval Criteria | Overall business health | Credit score and collateral | Credit score | Credit score and collateral |
FAQs
Who is Credibly?
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.
How Is Credibly Different from Other Lenders?
💵4.9 | Trustpilot Rating |
💵$1 Billion+ | Loans Funded |
💵20,000+ |
Satisfied Customers
|
💵10+ |
Years in Business
|
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 loans or financing for your unique needs, so you can focus on your products and services.
How to get a business loan with Credibly?
Wondering “how do I get a business loan”? Get business loans in as little as 24 hours after approval. Take ten minutes to pre-qualify for a loan online and we will respond with the best funding options for you.
What Type of Business Loans for Small Businesses Does Credibly Offer?
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 small business 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 small business loan and financing
What Are the Eligibility Requirements for Small Business Loans 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, credit score 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).****
Specific requirements will vary.
How Do I Get a Small Business Loan or Financing if I Have Bad Credit History?
Some funding products like merchant cash advances and invoice factoring are less credit score dependent because these financing products are based on sales instead of a credit score report.
Similarly, equipment financing does not have as much emphasis on credit score 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.
Can I Get a Loan for a New Business or Startup?
Startups almost never qualify for traditional bank loans, and that is true for Credibly’s financing as well.
However, there are a lot of options in financing for new businesses and startups, including:
- Business credit cards
- Personal loans
- Your own savings
How Can I Use a Small Business Loan and Financing?
“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.
What Should I Consider Before Applying Online 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.
- How much capital does my small business need?
- How much is the interest rate and APR for the financing option?
- What are the fees or prepayment penalties for it?
- How are monthly payment amounts determined (installments, percentage remittances, etc.?)

When the Bank Says No, We Say “Tell Us About Your Business”
Get the funding you need without having to jump through the hoops of traditional bank loans.
Pre-Qualify for A Small Business Loan Up To $400,000 Online Today
The Credibly Difference
You need a lender who looks at your business’s potential. Our company goes beyond traditional bank qualifications to help you get the best business financing options.
$1.5+ 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 30,000 businesses in over 325 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 sheet to see the potential in you and your business.
Speak to a Financing Expert
Working Capital Loans and Merchant Cash Advances are quoted as a factor, while Business Expansion products are quoted as a rate.
*Some products are made available through Credibly’s network of external funding partners
**For Merchant Cash Advances, a specified portion or percentage of the purchased receivables are remitted each business day.
***Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates 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.