Small business financing and loans in Atlanta

50,000+ small-and medium-sized businesses funded—yours could be next.

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Credibly small business loans in Atlanta–tailored to work for you

  • Right-sized capital
    Too little funding can slow you down. Too much can put unnecessary strain on your business. We’ll help you secure the right amount to keep things moving.
  • Grow without burden
    Maintain steady cash flow with working capital that supports your expansion—without financial headaches.
  • The Credibly difference
    Rely on a financing experience built for business owners—clear terms, a quick application, and fast access to funds.

Request a quote

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
50,000+

Small businesses financed

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
50,000+

Small businesses financed

Approval
as fast as 2 hours
Funding
as fast as 4 hours
$2.5+
billion in financing
50,000+
small businesses financed

Financing options for small businesses*

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

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.

Long term loans

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.

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
Apply online

Click "Get Started" to apply for financing.

Step 2
Gather required documents

We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.

Step 3
Approval in as little as 2 hours

Your application will be reviewed and you can get approved in as fast as 2 hours.

Step 4
Receive same-day funding

If approved, your requested financing can be transferred to your bank account as soon as the same business day.

What our customers say about our small business loan services in Atlanta

What customers say about our small business loans

More small business financing options*

Merchant cash advance

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

Equipment financing

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

Line of credit

Get flexible financing to access funds when you need it.

SBA loans

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 Atlanta

  • Apply online in minutes
  • Funding in as little as 4 hours
  • Funds deposited directly into your account
  • Secure and seamless online process
  • Factor rates as low as 1.11**
Small Business Loans in Atlanta

Small business loans in Atlanta—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 about small business loans in Atlanta

What types of small business financing in Atlanta does Credibly offer?

Credibly offers several types of business financing in Atlanta, both directly and through a network of external partners. These options include:

  • Working capital loans
  • Merchant cash advances
  • Business line of credit
  • Long-term loans
  • SBA loans

Each option has its own structure and benefits, and our team is here to walk you through what works best.

How do I know how much to borrow?

Start by asking what you need the funds for, covering operating costs, hiring, inventory, or expansion. Then estimate how much capital is required to execute that plan without straining your cash flow.

You don’t need to take the maximum amount available, only what fits your goals and what you can afford. We provide clear terms and flexible options, so you can choose what makes sense for your business.

What makes Credibly a good choice for small business loans in Atlanta?

We understand the real challenges small business owners face.

That’s why Credibly offers fast, flexible funding. Our application is 100% online, our team is U.S.-based, and we look beyond your credit score to understand your business.

What’s the benefit of a working capital loan over other options?

A working capital loan gives you predictable funding and remittance terms, which helps with planning and budgeting. You get a lump sum of money upfront, then pay fixed amounts daily or weekly.

These loans are ideal for steady businesses that need short-term capital for inventory, payroll, marketing, or expansion.

Can I use a small business loan in Atlanta to buy equipment?

Yes. Equipment purchases are a common and smart use of small business loan funds in Atlanta.

If you need new tools, updated technology, or replacement machinery, a loan can help you make the purchase without draining your cash reserves.

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*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.