
Invest in your business with these dump truck loans
Dump trucks are a key, critical tool from industries like infrastructure all the way to construction—and that’s just the tip of the iceberg.
Don’t let fluctuating revenue or a bad credit score stand in the way! A small business lending company can provide the resources to help secure the capital you need for success.
Quick solution for instant capital
We’ll review your online application within one business day and deposit the lump sum advance into your bank account in as little as 24 hours.
Use funding as you want
Whether you want to stock up on inventory, pay employees, spend on marketing, or purchase equipment—you decide how to use the funds for your business.
Worry-free remittances
Dealing with fluctuating revenue? With merchant cash advances, remittances are adjusted to better fit your revenue during a particular month.
Apply online in 10 minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates. With Credibly, you can:
Approval based on your future, not your past
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential. Merchant cash advances are available to businesses that meet the following criteria:
Get the financing you need
Depending on your situation, goals, and revenue, you can secure a cash advance for your business to cover temporary cash flow shortfalls and pay for:
Required documentation
You don’t need to dig up years’ worth of history to gain approval. All that’s needed to secure a cash advance for your business is:
Don’t worry! If you’re not sure what this all means, we’re happy to talk this through with you. That’s what we’re here for.
For advances over $100,000, we require your most recent business tax return.
An advance, not a loan
Unlike a loan, a merchant cash advance provides your business with capital by allowing us to purchase a percentage of your daily credit and debit card sales.
Explore your options without damaging your credit score
Getting your small business off the ground can feel like an uphill battle if you have a low credit score or fluctuating revenue. A merchant cash advance for your small business will allow you to:
Favorable terms
Credibly aims to make both funding and remittances intuitive, convenient, and easy to manage.
To pre-qualify, follow the “Get Started” button and enter some basic business information.
We’ll review your application and reach out to you with the best financing options.
If approved, you can get the complete amount deposited directly into your account the same day, plus access to your online account and automatic remittances.
Business financing as it should be—easy. Online application, one-day review, and funds deposited into your account.
Customized capital solutions to ensure your business gets the right funding and amount for your business needs and goals.
Credibly business experts are standing by to help you—from the moment you submit an application until your final remittance.
Remittances are withdrawn automatically from your bank account, so you can focus on running your business.
Merchant cash advance financing can be great for seasonal businesses or those looking for short-term financing options. Is it right for you?
Still looking for the right fit? Check out all of Credibly’s business financing options.
One of the leading merchant cash advance companies
With a TrustPilot rating of 4.8, an A+ on BBB, and a history of helping over 30,000 small businesses throughout the USA achieve their dreams, a merchant cash advance from Credibly is more than a mere transaction—it’s a partnership.
The financing provider that cares about your potential
Credibly recognizes that you’re more than just your credit score and income statement, which is why we look at your potential growth and overall business health when assessing your application.
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 amount of the advance, plus the factor rate,has been collected.
The percentage that is collected from the credit/debit card transactions is known as “holdback.”
Yes, merchant cash advances are legal.
Merchant cash advances are not traditional 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, as well as no principal, interest, or interest rate involved. State usury and/or lending laws do not apply.
A merchant cash advance will not directly hurt your credit score or give you bad credit, but it could indirectly lower your score by raising your outstanding balance and your credit utilization ratio. Enquiring about a business cash advance, however, will not affect your credit score in any way.
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.
Unlike many business loans, obtaining a merchant cash advance for your business does not require you to provide any additional assets as collateral. This can be beneficial for smaller businesses that might not have major assets, like real estate or vehicles, to offer.
With Credibly, merchants can get an early remittance discount. This means a discount is available to business owners who remit their full obligation earlier than the specified terms stated in the initial agreement.
Funds from merchant cash advances can be used for many different 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.
Although merchant cash advances are often attainable for businesses with credit scores that prevent them from getting traditional business loans, that doesn't mean your credit score isn't a factor at all.
Each merchant cash advance provider has different criteria for approval, but they generally do check your credit score before approving an application.
Credibly's credit score requirement, for example, is 500+.
Applying for a merchant cash advance is a much simpler process than applying for a traditional business loan or working capital.
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 pre-qualification request. Submission is free and easy and will not negatively impact your credit score.
If you’ve got 10 minutes to spare, you can obtain capital without hassle or gruelling repayment terms with a merchant advance.
Dump trucks are a key, critical tool from industries like infrastructure all the way to construction—and that’s just the tip of the iceberg.
Whether it’s an unexpected equipment breakdown, a golden opportunity to stock up on inventory at a discount, or a sudden market shift, there are moments when waiting weeks for traditional financing just won’t cut it. Enter same-day* business loans, the financial lifeline for modern enterprises.
Being a part of the entertainment industry can have its highs and lows because as a business owner, you are always looking for the next best way to keep your patrons happy and amused.
* $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.
**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.