Get quick, on-demand access to working capital so you can cover expenses or seize new opportunities without overborrowing. Draw what you need, when you need it, and avoid charges on the rest.
Access funds your way
Withdraw only the amount you want and pay interest solely on what you use.
Fast digital application
Complete a secure online form in minutes. Once approved, money is deposited right into your account.
Real people, real answers
Work with a U.S.-based team that gives you clear guidance and quick responses.
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
Unlike a term loan, a business line of credit allows you to only pay interest on the amount you actually use.
For example, if a business owner has a credit limit of $150,000 but only uses $40,000, they only have to pay interest on the $40,000 draw.
Once the amount has been repaid ($40,000), the business owner can draw additional funds up to the amount of their credit limit ($150,000).
While requirements may vary, you will 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.
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 |
Can I take cash out of a business line of credit in Houston?
Yes, you can access cash from your business line of credit in Houston whenever you need it, up to your approved limit. Think of it like a revolving credit account: you draw funds, use them how you want, repay, and draw again.
It’s flexible and fast, which is ideal for covering short-term needs or keeping operations smooth.
How quickly can I access funds once I’m approved?
While many factors can impact the time to approval, you could be approved in as fast as a couple of hours.
Once approved, you can draw funds as needed through our secure online platform. If it’s for payroll, purchasing inventory, or covering a vendor bill, your credit line works on your timeline.
Can I use a business line of credit in Houston to fund a project?
Yes, lines of credit are great for short-term projects or staged investments, like marketing campaigns, product launches, or equipment upgrades.
If your project requires flexibility in timing or remittance, a credit line lets you draw funds as each phase unfolds. You use what you need, when you need it.
Can my LLC get a business line of credit in Houston?
Yes, LLCs can absolutely qualify for a business line of credit in Houston. In fact, it’s a smart way to manage working capital, cover short-term expenses, or keep your cash flow steady during slower seasons.
How often can I draw from my line of credit in Houston?
As often as you need. Once approved, your credit line in Houston is revolving, which means you can pull funds anytime up to your limit.
Need $10K today and $5K next week? No problem. You can draw up to your limit.
Whether it’s one large purchase or several smaller ones, your credit line stays ready for whenever opportunity or challenge strikes.
Just be aware if your financing provider charges a fee for each draw, as these costs can add up.
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*Some products are made available through Credibly’s network of external funding partners.
**$20K+ avg. deposits for a three-month average and the most recent month.
