Credibly small business loans in New York City make all the difference
Funding that fits your needs
Too much funding can be overwhelming, too little can slow you down. We help you secure the right amount to keep your business on track.
Grow, don’t owe
Stay focused on growth with working capital designed to support your business—without unnecessary financial pressure.
The Credibly difference
Enjoy a streamlined process that makes securing funding easy, with clear terms and no hidden surprises.
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
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.
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.”
Christopher Stealey Merchant Cash Advance
James All-one Home Improvement & Reno
Eckel Pool Small Business Owner
Christopher Stealey Merchant Cash Advance
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.”
Why Credibly is the obvious choice for small business loans in New York City
Fast, easy online application
Funding in as little as 4 hours
Direct deposit to your bank account
A secure, seamless financing experience
Factor rates as low as 1.11**
Small business loans in New York City---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 New York City
What’s the benefit of a working capital loan over other options?
A working capital loan gives you predictable funding and remittance terms, which helps with planning and budgeting. You get a lump sum of money upfront, then pay fixed amounts daily or weekly.
These loans are ideal for steady businesses that need short-term capital for inventory, payroll, marketing, or expansion.
Can I get a small business loan in New York City if my credit isn’t perfect?
Yes. If you’ve been in business for at least 6 months, bring in $25,000+ monthly, and have a credit score of 550+, you may qualify.
Requirements vary by financing type.
Our flexible options and real-world approval process give more local businesses access to funding that supports growth.
What if I don’t have employees? Can I still apply for a small business loan in New York City?
Yes. You don’t need a team of employees to qualify. Many of Credibly’s customers are sole proprietors or run single-member LLCs.
As long as your business meets the basic requirements, you may be eligible.
We don’t judge your business by size; we focus on performance and potential. If you’re ready to grow, we’re here to help make that happen.
Can I use a small business loan in New York City to buy equipment?
Yes. Equipment purchases are a common and smart use of small business loan funds.
If you need new tools, updated technology, or replacement machinery, a loan can help you make the purchase without draining your cash reserves.
How does a business line of credit work?
A business line of credit works like a flexible borrowing account. You’re approved for a set limit and only draw funds when you need them.
You remit only what you use, and funds become available again as you pay them back. This is a great option for managing cash flow, handling emergencies, or taking advantage of short-term opportunities.
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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.
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