Small business financing and loans in Miami

50,000+ businesses funded—yours could be next.

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Credibly small business loans in Miami keep your business moving

  • Funding that fits your needs
    Too much capital can put unnecessary strain on your business, while too little can hold you back. We ensure you get the right-sized funding to keep growing.
  • Expand without the stress
    Working capital that helps your business scale—without the weight of rigid financing.
  • Fast, transparent, and hassle-free
    A financing experience designed for business owners—clear terms, a quick application, and funding when you need it.

Request a quote

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
50,000+

Small businesses financed

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
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

Financing options for small businesses*

Working capital loan

Uses:

Hire more staff
Hiring is one of the hardest parts of owning your business. A working capital loan for small businesses makes it easier to hire the staff you need.

Scale up your marketing campaigns
Let us help with the right small business loans so you can maximize marketing potential by investing in local ads, digital advertising, and strategic partnerships.

Business specific needs
The challenges you face are unique to you. We’re here to listen and ensure that you always have enough cash flow to seize an opportunity as it arises.

Merchant cash advance

Fluctuating revenue? Not a problem

Merchant cash advances are perfect for businesses with fluctuating revenue and lower credit scores.

You can use these funds to buy inventory, pay employees, make emergency repairs, pay for marketing expenses, purchase equipment, and finance other short-term expansion projects.

Long term loans

Open a new location

Enjoy lower APRs and longer payback periods—perfect for making down payments for a new location.

New equipment

Unlike traditional banks that make finding financing options difficult, we’ll provide you with reasonable interest rates.

Make renovations

Don’t get bogged down in red tape, get lower interest loans that let you make the repairs and updates you need.

Business line of credit

Capital when you need it

Get the most flexible access to working capital anytime you need it with revolving business lines of credit.

Draw only what you need

Withdraw exactly as much as you need, and don’t let your business get saddled with a loan you won’t utilize.

Pay for what you use

You’ll only pay interest on the amount you withdraw, which means the cost of capital is usually less than other types of funding.

How to apply for a small business loan online

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 small business loan services in Miami

What customers say about our small business loans

More small business financing options*

Merchant cash advance

Provides you with up-front funding in exchange for a portion of future receivables.

Equipment financing

This small business financing option allows you to pay for your machine over the life of the lease with low APRs.

Line of credit

Get flexible financing to access funds when you need it.

SBA loans

Get lower interest rates and longer repayment periods. We'll guide you through the application for a small business loan.

Why Credibly is the obvious choice for small business loans in Miami

  • Apply online in minutes
  • Funding in as little as 4 hours
  • Direct deposit to your bank account
  • Secure and seamless experience
  • Factor rates as low as 1.11**
Small Business Loans in Miami

Small business loans in Miami---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 for small business loans in Miami

Can I use a small business loan in Miami to hire employees?

Yes. Many business owners use small business loans in Miami to expand their team, especially when preparing for growth or covering seasonal demand.

A loan can help you cover salaries, training, onboarding, or even a new workspace.

How fast can my business get funded?

Your business can get funded in as fast as 4 hours after approval, with approvals possible in as little as 2 hours.

We’ll review your info and walk you through your options. Once approved, funds go straight into your business account.

When is a merchant cash advance (MCA) a good option?

An MCA is helpful when your business has strong credit card or daily sales, but credit challenges.

Unlike loans, MCAs don’t come with fixed remittances. Instead, remittances are tied to your daily sales. This flexibility makes MCAs ideal during seasonal slumps or for businesses with variable income.

Which financing option gives me the most flexibility?

If flexibility is your top priority, a working capital loan or business line of credit may be great options. You can get funds quickly and use as you need.

These options are ideal for covering gaps in cash flow, handling unexpected costs, or seizing opportunities as they arise.

What types of small business financing in Miami does Credibly offer?

Credibly offers several types of business financing in Miami, both directly and through a network of external partners. These options include:

  • Working capital loans
  • Merchant cash advances
  • Business line of credit
  • Long-term loans
  • SBA loans

Each option has its own structure and benefits, and our team is here to walk you through what works best.

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*Some products are made available through Credibly’s network of external funding partners
**Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates are available to merchants with excellent credit and financial strength.