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Credibly logo representing business financing and lending services.
Credibly logo representing business financing and lending services.
Credibly logo representing business financing and lending services.
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Small business loans online: simplified funding you can trust

Find out how much you qualify for. 
Applying will not hurt your credit score. 
Do you meet the requirements?

  • Must be operating in the United States
  • 6+ months time in business
  • $15,000+ in monthly revenue**
  • To deposit revenue in a business bank account
  • A credit score of 500+
Small business loans online

Apply for financing and get approved in as soon as 2 hours

1,000+
industries served 55k+
businesses served $3B+
in small business 
financing 4.8/5
Trustpilot rating
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Credibly awarded as a top workplace in the USA for 2025 by USA Today.
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The right loans for small business growth

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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.

Get Started
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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.

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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.

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More financing options*

Equipment loan
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Equipment loan

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.

Long-term business loan
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Long-term business loan

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.

Small business financing
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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.

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Get the best small business loan today that lets 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.

Additional lending options for small businesses

Merchant cash advance

Merchant cash advance

Secure the business capital you need for success with a merchant cash advance.

Equipment financing

Equipment financing

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

Long-term business loans

Long-term business loans

Meet your goals with this convenient loan.

All small business financing options

All small business financing options

Browse all our small business loans online and financing options.

What customers say about our small business company

Trustpilot
Online business loan application on multiple devices.

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.

Get Qualified Today
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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 small business loans online. We’ll help you compare and apply for working capital loans and other financing options that fit your needs.

How to apply for small business loans online

STEP 1

Pre-qualify online

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

STEP 2

Approval in less than 2 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.

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Why Credibly is the right choice for an online business loan

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 2 hours
  • Funds deposited directly into your account
  • Secure online checkout available for faster funding
  • Find the best financing package for your business
  • Daily, weekly, and monthly* payment and remittance options
  • Factor rates** as low as 1.11
  • 4.8/5 rating on Trustpilot

When banks say no, Credibly says “tell us about your business”

Get the funding you need without having to jump through the hoops of traditional bank loans.

Get Qualified Today

Approval

as fast as 2 hours

Funding

as fast as 4 hours

$3B+

billion in financing

55,000+

small businesses financed

Credibly
Bank Loans
Credit Cards
SBA Loans
Funding Range
$5K-$600K
$100K
Credit dependent
Credit dependent
Process
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
Approval in as fast as 2 hours
Weeks-Months
Less than 30 Days
Months
Time to Funding
as fast as 4 hours
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 online business loans

Credibly helps small and medium-sized businesses secure funding, aiming to make business loans affordable, simple, and transparent.
Credibly blends data science with personal service, working directly with business owners to find the right loan or financing option for their specific needs.
You can pre-qualify online in about ten minutes, and Credibly will respond with funding options. Depending on the application, some businesses may be eligible to review and complete their contract through an online checkout. Funds can arrive in as little as 24 hours.
Credibly directly lends working capital loans and merchant cash advances, and through partners offers SBA loans, business lines of credit, equipment financing, and long-term loans. Their financing experts help review options, determine the best fit, and complete applications.
Requirements vary by product but generally include at least six months in business, a credit score above 500, and average monthly revenue of $15,000+ (roughly $180,000+ annually).
Options like merchant cash advances and invoice factoring rely more on sales history than credit scores. Equipment financing also reduces credit dependence since the equipment itself serves as collateral, and many of these products can help build business credit over time.
Startups typically don’t qualify for traditional bank loans or most of Credibly’s offerings. Alternatives for new businesses include business credit cards, personal loans, or personal savings.
Flexible options — like working capital loans, expansion loans, merchant cash advances, lines of credit, or SBA loans — can be used for general business needs. Less flexible options, like equipment financing or real estate loans, are restricted to their specific purpose.
First, weigh whether the funding will help your business grow or survive a crisis, since fees and interest add up without good reason. Key questions to ask: how much capital is needed, what’s the interest rate/APR, what fees or prepayment penalties apply, and how are payments structured.
A working capital loan is one type of small business loan; the broader category also includes things like lines of credit and equipment financing.
Generally you’ll need over 6 months in business, a minimum credit score of 500, and at least $15,000 in average monthly deposits over the past three months — though requirements vary by lender.
Rates depend on the business’s financial health and profile. Credibly offers factor rates as low as 1.11.
Small business loans generally refer to financing where a lump sum is provided at a cost, such as working capital loans or equipment financing.
It’s often easier and faster than a traditional bank loan — providers like Credibly tend to have more flexible criteria, simpler applications, and can fund approved loans in as little as one business day.
The process varies by lender. At Credibly, you fill out an online application, submit documents like bank statements and a government ID, then work with a financing expert to review your offer once approved.
Usually not — most providers require at least six months in business plus minimum revenue thresholds that startups typically don’t meet.
Yes. While Credibly’s primary domain is credibly.com, they also use credibly.co for official sales and marketing communications.

Approval in as fast as 2 hours

Apply for business financing up to $600,000

Find out how much you qualify for.
Applying will not hurt your credit score.
Do you meet the requirements?

In general you will need:

  • $15K+ in monthly revenue
  • 6+ months in business
  • 500+ FICO score
  • Revenue deposited into a business bank account
Business financing pre-qualification process with Credibly.

*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.