Small business financing and loans in New York City

Helping over 50,000 businesses secure the capital they need—yours could be next.

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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.

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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 New York City

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 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

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.