Small Business Loans

Get a Loan for Your Business in Days, Not Months

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

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 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.

Business Line of Credit

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.

More Financing Options

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**

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.

  • 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

Invoice Factoring

Invoice Factoring***

Turn your unpaid invoices into cash to fuel business growth.
Learn more >

Equipment Financing

Equipment Financing***

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

Long-Term Business Loans

Long-Term Business Loans

Meet your goals with this convenient company loan.
Learn more >

All small business financing options

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


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

CrediblyBank LoansCredit CardsSBA Loans
Funding Range$5K-$400K$100KCredit dependentCredit dependent
ProcessPre-qualify online
Soft credit pull only
Long loan application, credit inspection, business plan, and industry riskPrequalify online
Soft credit pull only
Long application, credit inspection, business plan, and industry risk
Approval TimeAs soon as same dayWeeks-MonthsLess than 30 DaysMonths
Time To FundingAs soon as same day from approval∼ 2-3 Months7-10 Business days60-90+ Days
Approval CriteriaOverall business healthCredit score and collateralCredit scoreCredit score and collateral


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
Satisfied Customers
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.?)
How to Apply for a Small Business Loan Online

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.