50,000+ small- and medium-sized businesses financed—yours could be next.
Credibly small business loans in Alabama keep your business growing
Funding tailored to your needs
Too much financing can put unnecessary pressure on your business. Too little can slow you down. We ensure you get the right amount to keep moving forward.
Expand with confidence
Stay ahead with steady working capital that supports growth—without overwhelming financial strain.
Simple, fast, and transparent
A financing process designed for business owners—clear terms, a quick application, and fast access to capital.
Request a quote
As fast as 2 hours
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
Financing options for small businesses*
Uses:
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.
Fluctuating revenue? 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.
Open a new location
Enjoy lower APRs 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.
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
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.
More small business financing options*
Provides you with up-front funding in exchange for a portion of future receivables.
This small business financing option allows you to pay for your machine over the life of the lease with low APRs.
Get lower interest rates and longer repayment periods. We'll guide you through the application for a small business loan.
Why Credibly is the obvious choice for small business loans in Alabama
Small business loans in Alabama---The Credibly difference
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 |
FAQs for small business loans in Alabama
What types of small business financing does Credibly offer in Alabama?
Credibly provides working capital financing and merchant cash advances. Through our lending partners, we also offer SBA loans, business lines of credit, equipment financing, and long-term funding solutions.
Our financing specialists can help you:
What are the eligibility requirements for Credibly's small business financing?
Qualifications depend on the financing product, but general eligibility requirements include:
Additional requirements may apply depending on the funding option.
Can I qualify for financing with bad credit?
Yes! Some financing solutions, like merchant cash advances, focus on revenue rather than credit history. Consider equipment financing as another strong choice, as the equipment itself serves as collateral. Many of our funding solutions can also help improve your business credit over time.
Can startups qualify for small business financing?
Most startups don't qualify for Credibly's business financing, as you must be in business for at least six months to apply.
However, new businesses often consider alternative funding options, such as:
How can I use my small business financing?
Some financing options---like working capital loans and business lines of credit---offer flexibility, allowing you to use funds however your business needs. Others, such as equipment financing or real estate loans, must be used for specific purposes.
What should I consider before applying for business financing?
Before applying, ask yourself:
Reviewing these factors ensures you secure the right financing for your business.
Locations we serve
Table of Contents What happens if you default on a business loan? What happens if your business defaults on a loan? What if I
Table of Contents Who founded Small Business Saturday? Key facts about Small Business Saturday When is Small Business Saturday? What happens on Small Business Saturday?
Table of Contents What makes AI tools for marketing valuable Categories of AI marketing tools every business should know How AI tools for marketing
*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 are available to merchants with excellent credit and financial strength.
