Fuel your company’s growth with financing designed for staying power. Long-term loans give you the stability and flexibility to handle major investments, expand operations, or tackle new opportunities.
Quick start
Start a fast online application or connect with a financing expert by calling (844) 501-8662, option 1.
Fast decisions
We review your business performance and deliver tailored long-term loan offers that align with your goals.
Straightforward funding
Once approved, receive funds quickly, in as fast as 4 hours, and manage everything easily with your online account and automated remittance.
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.
Direct answers
Skip the red tape and long wait times. With Credibly, you’ll know where you stand in minutes and could see funds land in your account in just a few hours.
A track record you can count on
We’ve delivered over $2.5 billion in financing to 50,000+ small businesses nationwide. Backed by a 4.8/5 Trustpilot rating, Credibly is a proven partner for long-term business loans.
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 |
Do long-term business loans in Houston require a personal guarantee?
In most cases, yes. A personal guarantee means you're personally responsible for repaying the loan if the business can’t.
It’s a common requirement for long-term loans in Houston, especially when borrowing large amounts. While it adds risk on your end, it also improves your chances of approval, and may help secure better terms.
What if I need funding faster than a long-term loan in Houston allows?
Long-term loans in Houston 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 get a long-term loan in Houston with average credit?
Long-term loans in Houston 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.
What are the risks of a long-term loan in Houston?
The biggest tradeoff with long-term loans in Houston 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.
How does Credibly determine my loan amount?
We look at several key factors: your business revenue, time in operation, credit score, and existing debt obligations.
The stronger your financials, the more you may qualify for.
We don’t just look at the numbers in isolation; we review your full business health to find a loan structure that fits your goals.
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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.
