Running a business in Alabama and need working capital yesterday? A merchant cash advance gives you a flexible way to tap into your future revenue.
Quick turnaround when timing counts
The application takes minutes. Approval can happen in 2 hours. You could see funds hit your account in as little as 4.
You decide how to use it
Cover payroll, stock up inventory, or launch a new campaign. Spend where it drives results.
Pay as you earn
Your remittances flex with your income. Sell more, remit more. Have a slow month? It adjusts.
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
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.”
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.
Why Alabama businesses trust Credibly
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 |
What is an Alabama merchant cash advance and how does it differ from a traditional loan?
An Alabama merchant cash advance is not a loan. It is a lump sum of working capital you get in exchange for a portion of your future card sales.
When funds hit your account, the financing provider automatically withdraws a small percentage of each card sale until you remit the full amount. There is no variable interest; instead, a set factor rate determines the total cost upfront.
This structure gives you fast funding and flexible remittances while preserving ownership. It works well for short‑term needs and helps you seize opportunities quickly without delays.
What benefits does a merchant cash advance in offer compared to other financing options?
Merchant cash advances in stand out because they combine speed, flexibility, and accessibility.
Once approved, funds can arrive in your account in as little as 4 hours. Plus, you aren’t required to pledge collateral or give up equity.
Remittances adjust to your revenue, and you know the total cost up front through a factor rate.
What are the pros and cons of merchant cash advances in Alabama compared to business loans?
Merchant cash advances in Alabama offer several advantages compared to traditional business loans. Providers require less paperwork and can approve funding quickly, with remittances tied to your sales. This flexibility helps businesses with seasonal revenue or inconsistent cash flow.
However, MCAs carry some downsides. Daily or weekly remittances can strain budgets, so review your cash flow and weigh the benefits against potential costs carefully.
Will applying for an MCA in Alabama hurt my credit score?
Most merchant cash advance providers in Alabama typically use a soft credit pull when reviewing applications. Soft inquiries do not affect your credit score or show up for other financiers to see.
Some providers may escalate to a hard pull when dealing with larger advances or if they require deeper underwriting. Hard inquiries can shave a few points off your score and stay on your report for about two years.
Can merchant cash advances in help build business credit?
No. Remittances on MCAs in typically do not get reported to credit bureaus.
Since MCAs are technically a sale of future revenue, not a loan, the activity usually doesn’t show up on your credit profile. That means your business credit score won't benefit from making remittances on time.
While you may qualify for an MCA with lower credit, it won’t help you build credit history.
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*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.
