Long-term funding helps you act on growth opportunities with confidence. Whether you’re expanding, investing, or building stability, flexible financing gives you the freedom to focus on results.
Start your application
Start out our quick online application or speak directly with a small business specialist at (844) 501-8662 and select option 1.
Fast, personalized review
We look at your business performance and match you with funding that fits your long-term plans.
Funds when you need them
If approved, you could see funds in your account in 4 hours. Manage everything easily through your online dashboard with automated remittance tools.
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
Long-term business loans allow borrowers to pursue large-scale growth plans while paying for the initiative over the course of the loan.
Whether you are looking to tackle the next phase of your business plan, open a new location, purchase new equipment, expand into new markets, grow your team, or launch a new product, long-term loans can help you reach your next phase of growth.
Qualifying criteria
Your eligibility for a long-term business loan depends on:
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.”
Flexible financing ideal for businesses with fluctuating revenues or poor credit scores.
No waiting. No guesswork.
We keep it simple. Get a clear answer in minutes and fast-track your funding in just a few hours.
Proven results across the country
Credibly has delivered more than $2.5 billion to over 50,000 businesses nationwide. Our 4.8-star rating on Trustpilot shows how much owners trust our team and our process.
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 if I need funding faster than a long-term loan in Atlanta allows?
Long-term loans in Atlanta can take more time to process as they offer larger amounts and longer terms.
If you’re looking at other financing options, Credibly offers merchant cash advances and working capital loans with approvals that are just as fast.
These options are designed for quick access, short terms (up to 24 months), and automatic daily or weekly remittances.
Can I use a long-term loan in Atlanta alongside other financing?
Yes, you can use a long-term loan in Atlanta alongside other financing products, like a line of credit or working capital loan, as long as your cash flow can support the remittances.
In fact, many business owners do just that: use a long-term loan for large investments while keeping a credit line available for day-to-day needs.
How fast can I get a long-term loan in Atlanta?
Long-term loans in Atlanta typically take more time to process than short-term options due to the size of the loan and the documentation involved.
Looking at other funding options? We also offer working capital loans and merchant cash advances which you could be approved for in as fast as 2 hours.
What are the risks of a long-term loan in Atlanta?
The biggest tradeoff with long-term loans in Atlanta is paying more in total interest over time.
While longer terms reduce your monthly remittances, the loan accrues more interest overall, so you’ll repay more than you borrowed. Still, for large-scale projects or major purchases, spreading the cost out over time may be the smart move.
We help you weigh long-term stability against total cost. If a long-term loan isn’t the best fit, we’ll show you shorter-term alternatives that still align with your goals.
Can I get a long-term loan in Atlanta with average credit?
Long-term loans in Atlanta typically require strong credit, around 700 or higher, but that doesn’t mean average credit shuts the door.
If your revenue is high and your business is profitable, there may still be options. Credibly evaluates the full picture.
If a long-term loan isn’t the right fit today, we’ll guide you toward short-term financing that works now while helping you build eligibility for longer-term options later.
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*Some products are made available through Credibly’s network of external funding partners.
** Rates are included in your daily payback quote to simplify repayments and account monitoring. Rates, pricing, requirements and other terms and conditions subject to change without notice.
