Take control of your next move with financing that adjusts to your goals. Whether you’re upgrading, expanding, or stabilizing, long-term capital helps you act without delay.
Start fast
Start applying online in minutes or call a business specialist at (844) 501-8662 and select option 1.
Quick decisions
We evaluate your business performance and recommend long-term options that support your next step.
Fast-track funding
Once approved, you could receive funds in 4 hours. Monitor your account online and keep remittance automatic.
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.
Get clarity, not confusion
Skip the red tape. We tell you exactly where you stand and how soon you can access the funds you need. Some get approved and funded in just a few hours.
Proven support, coast to coast
Credibly has delivered over $2.5 billion to 50,000 businesses nationwide. With a 4.8 Trustpilot rating, you’ll get personal service and real results.
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’s the remittance schedule like for long-term loans in Chicago?
Credibly’s long-term loans in Chicago come with monthly remittances, which help keep your cash flow stable and predictable.
Compared to daily or weekly remittances found in short-term products, monthly remittances offer more breathing room, especially for businesses managing larger investments or seasonal revenue cycles.
You’ll know your remittance amount upfront and can plan accordingly.
What kind of businesses use long-term loans in Chicago?
Long-term loans in Chicago are best suited for established businesses with stable revenue and long-term investment plans.
That includes manufacturers, healthcare providers, wholesalers, franchise owners, and service-based companies investing in property, equipment, or hiring.
These loans help fund multi-year growth strategies.
If your business is generating $500K+ annually and you’ve been operating for at least 2 years, you may be a great candidate.
What is considered a long-term business loan in Chicago?
A long-term business loan in Chicago is financing repaid over a period of three years or more. Some terms can go as long as 10 years or even longer depending on the financier and the size of the loan.
Through our partners, Credibly offers long-term loans ranging from $50,000 to $10 million, with terms up to 120 months and predictable monthly remittances.
These loans are ideal for major purchases, expansions, or business investments that need time to generate ROI.
Can I use a long-term loan in Chicago for equipment?
Absolutely. Long-term loans in Chicago are a great fit for high-cost equipment purchases, especially assets with a long useful life.
Spreading the cost over several years keeps your monthly remittances low and protects your working capital. If you’re upgrading machinery, investing in vehicles, or expanding your production capabilities, we’ll help you finance the full cost through structured monthly remittances.
Will a long-term loan in Chicago affect my credit?
It can, but in a positive way if used responsibly. Making on-time monthly remittances helps build your business credit, which can improve your ability to qualify for future funding at better terms.
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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.
