Business loans for working capital in Chicago

Get the funding you need to keep business on track and ready for what’s next.

Get capital fast with our easy working capital loans in Chicago

Access Quick Working Capital Loans for Your Business Growth in Boston.

Skip the delays, get funded fast
No drawn-out approval process. Apply online, get approved, and have funds in your business account in as little as 4 hours.

Rates designed with your business in mind
With factor rates as low as 1.11*, managing your remittance is simple—giving you room to focus on growing, not owing.

Customer support that actually supports you
Need help? Our 100% US-based support team is here to answer your questions and guide you through your options.

Request a quote

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

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

Benefits of a working capital loan in Chicago

Meet your growth goals with financing up to $600,000

Qualifying criteria

Working capital loans in Chicago are available to businesses that meet certain requirements:

Operating in the United States
6+ months time in business
$15,000+ in monthly revenue**
To deposit revenue in a business bank account
A credit score of 500+

Financing in as fast as 2 hours from approval

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 four easy steps

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 loan 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 Working capital loans services in Chicago

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

What customers say about our small business loans

“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.”

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Credibly's other business financing options***

Merchant cash advance

A great financing solution for those with lower credit scores in immediate need of short-term funding.

Long-term loan

Plan for the future with confidence with this loan

Business lines of credit

The most flexible access to working capital whenever you need it.

All financing options

Don't see what you need here? Look at all of Credibly's business financing options.

Why Credibly is the go-to choice for working capital loans in Chicago

Funding in as little as 4 hours
Streamlined online application
Live, US-based support team ready to assist
Competitive factor rates as low as 1.11*

Business financing in Chicago—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 our working capital loans in Chicago

Who qualifies for a working capital loan in Chicago?

To qualify for a working capital loan in Chicago, your business must operate in the U.S., have been active for at least 6 months, and deposit revenue into a business bank account.

You’ll also need a minimum monthly revenue of $25,000 and a credit score of 550 or higher.

These requirements help financing providers like Credibly evaluate your cash flow, ability to pay, and business stability.

Will applying hurt my credit score?

Most financing providers, including Credibly, only perform a soft credit inquiry during the initial application process. That means applying typically doesn’t affect your credit score.

Our goal is to help you secure the capital you need without putting your business or personal credit at risk. You’ll always know what to expect up front.

How can a working capital loan in Chicago help with cash flow gaps?

Every business faces cash flow gaps at some point, whether it’s delayed customer payments, slow seasons, or rising expenses.

A working capital loan in Chicago gives you the breathing room to manage those gaps without cutting staff, delaying orders, or pausing operations. Instead of scrambling to cover costs, you’ll have the flexibility to keep moving forward.

What if my business has seasonal income?

Working capital loans in Chicago are a great fit for businesses with seasonal cycles. If your revenue fluctuates during certain months, short-term financing can help you stay ahead of expenses without dipping into emergency reserves.

Retailers, landscapers, tourism operators, and event businesses often rely on working capital to bridge the gap between slow periods and busy seasons.

Can I use a working capital loan in Chicago to handle an emergency?

Yes. Working capital loans in Chicago are designed for real-world needs, including emergencies.

Whether your equipment breaks down, you’re hit with an unexpected repair, or you face a sudden dip in revenue, a working capital loan can give you fast access to the cash you need.

With Credibly, you can apply online, get approved in as fast as 2 hours, and receive funds in as fast as 4 hours. That means you can fix the issue and keep your business running without major disruptions.

Locations we serve