Get the working capital you need with a merchant cash advance in Boston. No collateral, no long wait times—just quick access to cash based on your revenue.
Funding that moves as fast as your business
Apply in minutes, get approved in as little as 2 hours, and receive funds in your account in as fast as 4 hours.
Spend it where it matters
Inventory, payroll, marketing, equipment—you decide how to use your funds. No restrictions, no delays.
Remittances that adjust to your sales
With percentage-based remittances, remittances flex with your revenue, keeping cash flow stress-free.
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As fast as 4 hours
Billion in financing
Small businesses financed
As fast as 2 hours
As fast as 4 hours
Billion in financing
Small businesses financed
Apply online in minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business—cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely need:
Click "Get Started" to apply for financing.
We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.
Your application will be reviewed and you can get approved in as fast as 2 hours.
If approved, your requested financing can be transferred to your bank account as soon as the same business day.
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
Still looking for the right fit? Check out all of Credibly's business financing options.
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 |
Is a merchant cash advance a loan?
Technically, a merchant cash advance is not a loan. With an MCA, a business owner sells a portion of their future credit and debit card sales for money they can use right away.
The provider of the advance (in this case, Credibly) then collects a percentage of the daily sales the business makes from credit cards until the specified amount has been collected.
Are merchant cash advances legal?
Yes, merchant cash advances are legal.
Merchant cash advances are not loans—they are purchases of future payment receivables for an upfront, discounted purchase price.
Because they are true sales and do not come from a traditional bank, there is no fixed payment or term - though a good faith estimate is often provided, as well as no principal, interest, or interest rate involved. State usury and/or lending laws do not apply.
How much does a small business cash advance cost?
Cash advances are priced as a total cost of capital with fees and factor rates included. Factor rates are typically based on the risk associated with funding your business.
Is there a financial benefit to satisfying your small business cash advance early?
With Credibly, merchants can get an early remittance discount. This means a discount is available to business owners who remit their full obligation with clean remittance history earlier than the specified terms stated in the initial agreement.
What can you use a merchant cash advance for?
Funds from merchant cash advances can be used for many different business purposes, but since it is a type of short-term funding, an MCA is best used for covering temporary cash flow shortfalls.
Small business owners use cash advances for things like buying inventory, paying employees, making emergency repairs, marketing expenses, purchasing equipment, and other short-term expansion projects.
Does your credit score matter for a merchant cash advance?
Although merchant cash advances are often accessible for businesses with lower credit scores, that doesn't mean your credit score isn't a factor at all.
At the same time, alternative lenders like Credibly often look more at your current financial health. If you've had strong performance, your credit score may not matter as much.
Each merchant cash advance provider has different criteria for approval, but will generally do a soft credit check before approving an application.
Credibly's minimum credit score requirement, for example, is 550+.
How do you apply for a merchant cash advance?
Applying for a merchant cash advance is simple.
You'll be asked to provide some basic information and documentation, such as:
Applications for merchant cash advances are approved very quickly, and once approved, business owners receive their funds within a matter of days.
To learn how much you qualify for, fill out our online application. Submission is free and easy and will not negatively impact your credit score.
Each year, veterans around the United States start their own businesses after returning to civilian life following military service. In addition to financing options available
When you need financing for your business, the company you choose to work with matters. A direct business lender can provide a more straightforward path
Small business loan qualifications are primarily driven by your credit profile, time in business, and average monthly deposits/revenue. Lenders evaluate these factors alongside your personal and business credit history to determine loan amounts, interest rates, and repayment terms.
*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
