Secure the funds you need to keep your business moving forward without missing a beat.
Funding on your schedule
Apply online in minutes, get a fast decision, and access capital in as little as 4 hours.
Rates built for business owners
With factor rates starting at 1.11*, keep costs manageable while freeing up cash flow for growth and opportunity..
Expert guidance every step
Work with our 100% U.S.-based team for clear answers, fast communication, and financing options that fit your goals.
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
Qualifying criteria
Working capital loans in Alabama are available to businesses that meet certain requirements:
Applying is fast and easy. You’ll be assigned to a dedicated financing expert who can guide you through each step of the process and answer your questions as you go.
Once you’re approved, you can get the funds in your account as fast as the same day, and start using as you need.
Get started today with three easy steps
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.”
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.”
A great financing solution for those with lower credit scores in immediate need of short-term funding.
The most flexible access to working capital whenever you need it.
Don’t see what you need here? Look at all of Credibly’s business financing options.
Business financing in Alabama—The Credibly advantage
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 |
Do I need perfect credit to qualify for a working capital loan in Alabama?
No. That’s why we work with business owners who have credit scores as low as 550.
We look at your overall financial picture: monthly revenue, time in business, and real-world performance.
How do I know if a working capital loan in Alabama is right for me?
If your business has strong revenue but struggles with cash flow, a working capital loan can help.
It’s designed for short-term needs, like covering payroll, rent, or vendor invoices, when timing matters more than anything else.
You’re not borrowing to take on debt. You’re using financing to keep your operations running smoothly.
Can I use a working capital loan in Alabama to grow my business?
Absolutely. While working capital loans in Alabama are ideal for managing short-term expenses, they’re also great for funding strategic growth.
You can use the capital to invest in marketing, purchase more inventory, or add staff to handle increased demand.
What can a working capital loan in Alabama not be used for?
Working capital loans in Alabama can be used flexibly for any legal business needs. That being said, they are designed to help with short-term operational expenses rather than long-term investments or fixed assets. They’re often not ideal for purchasing real estate, vehicles, or high-cost equipment.
Instead, they’re best for covering things like payroll, rent, or supplier payments when cash flow is tight. Seasonal businesses often leverage these loans to manage slower months.
What documents do I need to apply for a working capital loan in Alabama?
Credibly keeps the paperwork to a minimum. To apply for a working capital loan in Alabama, you’ll typically need 3-4 months of your recent business bank account statements, a valid business license or registration, and basic business information (like time in business and monthly revenue).
Most of the process happens online, and our team is available to walk you through anything that isn’t clear.
Locations we serve
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*Rates, pricing, requirements and other terms and conditions subject to change without notice.
**Some products are made available through Credibly’s network of external funding partners
