Small Business Financing Options
…that will have you swiping right in a hurry
Get The Perfect Small Business Financing That Fits Your Business Needs
Paperwork Is So Last Century
Approvals in as little as 4 hours and funds deposited afterwards in your account the same day. All it takes is 10 minutes to pre-qualify online.
Grow, Don’t Owe
Borrow exactly what you need and save your business from being chained to giant interest rates and massive monthly installments.
We Like To Say “Yes”
We don’t just look at you as a credit score or P&L sheet, we look at your business. No wonder we fund nearly twice as many small businesses compared to the big banks.
Get Started
Why So Many Owners Think We’re One of the Best Small Business Financing Companies
“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
Up To $400,000 In Business Finance and Loans In Less Than 48 Hours
Working Capital Loan*
Custom-Tailored Financing
Enjoy lower interest rates and longer repayment periods on loans designed to meet your day-to-day needs.
✔ Available for businesses located in the United States.
✔ You must have been in business for 6+ months.
✔ Minimum $15,000 in average monthly revenue required.**
Easy Application Process
We roll out the red carpet, not the red tape when you come to us.
✔ Straightforward application form (and assistance if you need it).
✔ You likely already have the documentation you’ll need.
✔ Get approved in as little as 4 hours and funded within 48 hours.
InCredibly Convenient
Eliminate the effort and hassle of yet another thing you have to do every month.
✔ Funding deposited directly into your business bank account.
✔ Automatic monthly loan repayments.
✔ Talk to live, U.S.-based agents when you need assistance.
Merchant Cash Advance*
Flexible Financing Meets Credibly
A great short- and mid-term financing option that doesn’t hurt your cash flow (especially in the lean months).
✔ Cover temporary cash flow shortfalls, pay for repairs, and more.
✔ You only pay what you can afford every month.
✔ Remittances deducted automatically.***
Low Eligibility Requirements
Get funded even if you have a bad credit score or fluctuating revenues.
✔ 500+ credit scores eligible to apply.
✔ You must have been in business 6+ months.
✔ $15,000+ average monthly bank deposits.**
Fast Application, Fast Funding
Get approved and funded in less time than it takes you to drive to the bank (okay, maybe not that fast).
✔ Pre-qualify online in just 10 minutes.
✔ Get approved in as little as 24 hours.
✔ Receive funds directly in your account on the same day.
Equipment Financing****
Make New Equipment Pay For Itself
Unlock value in your new equipment from the get-go with equipment financing.
✔ Get the funds you need to buy new equipment.
✔ Use your new purchase as collateral for the loan.
✔ Build your credit score (without hurting your cash flow).
Seamless, Speedy, Simply InCredible
Unlike traditional banks, we’re here to finance your dreams, not make you jump through hoops.
✔ Apply online and get approved in less than 24 hours.
✔ Receive guidance on how to make the most of your capital.
✔ Talk to a real, live agent if you need any assistance.
Is Equipment Financing Right For You?
You don’t have to wait months or years to save up for the equipment you need now.
✔ Buy vehicles, machinery, computers, furniture, fixtures, electronic devices, and more.
✔ Can be acquired through a small business loan or business lease.
✔ Take advantage of Section 179 tax deduction for business equipment.
Is Business Financing Right For You?
Dot all your i’s, cross all your t’s and make an informed decision about small business financing.
Pros
- You manage the funds and decide how to use them.
- Retain full ownership of your business and profits.
- Enjoy lower interest rates than what you’ll get on a business credit card.
- Build up a strong credit score and improve financial standing.
Cons
- Monthly installments or remittances can tie up your cash flow.
- You won’t gain access to the knowledge an investor could offer.
- Defaulting on payments could lower your credit score.
- Missed payments could mean financial penalties.
Even More Business Financing Options
Invoice Factoring****
Turn unpaid invoices into capital for your business now with invoice financing.
Learn more >
All Financing Options
Still looking for the right fit? Check out all of Credibly’s business financing options.
Learn more >
Why Credibly?
No More “Will They, Won’t They?”
You’re applying for financing not playing chance. At Credibly you’ll only get clear answers and the best financing options for your business.
Rates You Won’t Get Elsewhere
Enjoy some of the most competitive interest rates for small business financing you’ll get. Our factor rates go as low as 1.09%.*****
< 24 Hours
To get approved for financing
30,000+
Businesses funded across the USA
4.8 on TrustPilot
Credibly’s more than a lender, we’re partners
100%
U.S.-based customer service
How To Apply For Business Financing and Loans
Step 1
Pre-Qualify Online
Pre-Qualify Online
Click “Get Started” to unlock revenue-based small business loans. It’ll take 10 minutes and all you need is some basic business information.
Step 2
Approval In As Fast As 4 Hours
Approval In As Fast As 4 Hours
We’ll review your application and reach out to you with small business financing options in as little as one day.
Step 3
Receive Same-Day Funding
Receive Same-Day Funding
Receive funds directly in your account on the same day once you’re approved.
FAQs About Financing a Small Business
What is business financing?
Business financing is a funding option for small business owners to access money to pay for things like temporary cash flow interruptions, expansion projects, inventory and equipment, and seasonal spikes in activity. There are several different types of business finance available, but each type of financing may be better for some purposes than others.
What are the different types of business financing?
Many business owners turn to traditional bank loans as their initial financing choice when considering financing options. This type of loan can prove to be a slower and more difficult option for business owners. The application process requires a credit inspection, a business plan/industry risk, and collateral. Additionally, approval can take as long as 30 days or more, even if the business has good credit and provides collateral.
How to get business financing?
The more prepared you are to apply for business financing, the smoother the application process will be. To increase your chances of approval for any of the financing options mentioned above, consider preparing the following:
- Tax returns
- Credit history
- Recent invoices, and business transactions
- Pay off any outstanding debt if possible
- Business plans
- Valuable asset collateral
Keeping these in mind, your business will be well on its way to being fully prepared to apply for the right financing option.
Financing a Business…We’re Really Good At That
We’ve helped 30,000+ small businesses grow. Now it’s your turn.
* Working Capital Loans and Merchant Cash Advances are quoted as a factor.
** $15K+ avg. deposits for a three-month average and the most recent month.
*** For Merchant Cash Advances, a specified portion or percentage of the purchased receivables are remitted each business day.
**** 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 available to merchants with excellent credit and financial strength.
Certain products may not be available in all states.
Certain business loan products are made available through Retail Capital LLC, a licensed California Finance Lender.
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