Small Business Loans and Financing


30,000+ small- and medium-sized businesses financed… and counting


Credibly’s Small Business Loans Make All the Difference

Right-Sized Capital

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.

Grow, Don’t Owe

Take the stress out of growing your business with continuous working capital support.

Credibly Difference

Get guidance and capital through a simple, transparent, and seamless process to get the funding you need.

Speak to a Loan Expert

What Small Business Owners Across the U.S. Say About Us

“I already had an existing dry cleaning business in another city, and an opportunity came to expand. We tried to go through traditional banks and private lenders, but unfortunately, the experience was very difficult and the terms were even harder. I called Credibly, and within two days I was able to get the funds that I needed. We were able to improve our business and the process was very, very easy.”

Eli Kik

Somerset Cleaners

The Right Small Business Loans for You

Working Capital Loan*

Working Capital Loan

Hire More Staff

Hiring is one of the hardest parts of owning your business. A working capital loan for small businesses makes it easier to hire the staff you need.

Scale Up Your Marketing Campaigns 

Let us help with the right small business loans so you can maximize marketing potential by investing in local ads, digital advertising, and strategic partnerships.

Business Specific Needs

The challenges you face are unique to you. We’re here to listen and ensure that you always have enough cash flow to seize an opportunity as it arises.

Merchant Cash Advance*

Merchant Cash Advance

Lower Credit? Not A Problem

Merchant cash advances are perfect for businesses with fluctuating revenue and lower credit scores.

You can use these funds to buy inventory, pay employees, make emergency repairs, pay for marketing expenses, purchase equipment, and finance other short-term expansion projects.

Long Term Loans

Long-Term Business Loans

Open a New Location

Enjoy low APR and longer payback periods**—perfect for making down payments for a new location.

New Equipment

Unlike traditional banks that make finding financing options difficult, we’ll provide you with reasonable interest rates.

Make Renovations

Don’t get bogged down in red tape, get lower interest loans that let you make the repairs and updates you need.

Business Line of Credit***

Business Line of Credit

Capital When You Need It

Get the most flexible access to working capital anytime you need it with revolving business lines of credit.

Draw Only What You Need

Withdraw exactly as much as you need, and don’t let your business get saddled with a loan you won’t utilize.

Pay for What You Use

You’ll only pay interest on the amount you withdraw, which means the cost of capital is usually less than other types of funding.

How to Apply for a Small Business Loan Online

Step 1

Pre-Qualify Online

Pre-Qualify Online

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

Step 2

Approval in as little as 4 Hours

Approval in as little as 4 Hours

Once approved, a 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 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.

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.

  • Apply for a Small Business Loan Online
  • Get Approved in as Little as 24 Hours
  • Funds Deposited Directly Into Your Bank Account
  • Daily, Weekly, and Monthly**** Payment and Remittance Options
  • Factor Rates as Low as 1.15
  • Interest Rates Start as low as 9.99%

Working Capital Formula = Current Assets – Current Liabilities

Current assets are the tangible and intangible items that your company owns and can be easily turned into cash within one business cycle. Along with your checking and savings account, this includes things like accounts receivable, highly liquid marketable securities, inventory, and other shorter-term prepaid expenses.

Current liabilities include all of the debts and expenses firms expect to pay within one business cycle. This typically includes all of the normal costs associated with running a business: utilities, rent, matierials and supplies, interest and principal payments on debt, accounts payable, and accrued liabilities and income taxes.

More Small Business Financing Options

Merchant Cash Advance

Merchant Cash Advance


Provides you with up-front funding in exchange for a portion of future receivables.
Learn more >

Equipment Financing

Equipment Financing***


This small business financing option allows you to pay for your machine over the life of the lease with low APRs.
Learn more >

Invoice Factoring

Invoice Factoring***


Have money tied up in unpaid invoices? Instead of waiting on net terms, turn them into working capital with invoice factoring.
Learn more >

All small business financing options

SBA Loans***


Get lower interest rates and longer repayment periods. We’ll guide you through the application for a small business loan.
Learn more >

Small Business Loans

Best Small Business Loans

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 amongst any direct small business loan lenders.

Work With a Dedicated Small Business Loan Officer

Get coaching when you apply for a small business loan. We’ll help you compare and apply for working capital loans 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

FAQs for Small Business Loans

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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 loan specialists can help you:

  • Review the available loans for small business owners
  • Determine which loan or financing is right for you
  • Complete the application for a business loan
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What Are the Eligibility Requirements for Credibly’s Small Business Loans?

The eligibility requirements for Credibly’s small business loans and financing are loan-specific and based on a business owner’s specific credit history 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.

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How Do I Get a Small Business Loan if I Have Bad Credit?

Some funding products like merchant cash advances and invoice factoring are less credit dependent because these financing products are based on sales instead of a credit report.

Similarly, equipment financing does not have as much emphasis on credit 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.

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Can I Get a Small Business Loan for a New Business or Startup?

Startups almost never qualify for traditional bank loans, and that is true for Credibly’s business loans and financing as well.

However, there are a lot of options in small business loans for new businesses and startups, including:

  • Business credit cards
  • Personal loans
  • Your own savings
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How Can I Use a Small Business Loan?

“Flexible” means that you can use the capital to fund whatever your business needs.

Some business loans are flexible in their loan usage options, 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.

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What Should I Consider Before Applying for a Small Business Loan Online?

Before asking “how to apply for a small business loan?” 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 a business loan, the fees and interest can really add up.

However, if a business loan 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 loan.

  1. How much capital does my business need?
  2. How much is the interest rate and APR for this loan?
  3. What are the fees or prepayment penalties for this loan?
  4. 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.

*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.