When it’s time to level up, you need funding that’s fast, flexible, and built around your goals. Long-term financing helps you act on big opportunities without slowing down your momentum.
Easy to begin
Start online in just a few minutes or call one of our small business specialists at (844) 501-8662 and select option 1.
Quick review
We take a close look at your business performance and match you with funding options that support long-term growth.
Fast access to capital
Once you’re approved, funds can be deposited in just 4 hours. You’ll also get secure online tools to track your account and manage automatic 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.
No waiting. No guesswork.
You get answers fast and funding even faster. Know what you qualify for in minutes and get money in your account in just a few hours.
Backed by real experience
Over 50,000 businesses across the U.S. have secured more than $2.5 billion through Credibly. With a 4.8 rating on Trustpilot, we’re the trusted choice for business owners who want clarity, speed, and real support.
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 |
What can I use a long-term business loan for in New York?
Long-term business loans in New York are ideal for large, strategic investments that need time to pay off. That includes facility expansions, new locations, major equipment purchases, or long-term growth initiatives.
These loans offer larger funding amounts and lower monthly remittances, so you can grow without draining your cash reserves.
Do long-term business loans in New York 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 New York, 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 are the risks of a long-term loan in New York?
The biggest tradeoff with long-term loans in New York 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 do long-term loans in New York compare to short-term loans?
Long-term loans in New York offer bigger funding amounts, lower monthly remittances, and extended payment periods, which is ideal for major investments with long ROI timelines.
Short-term loans move faster, but usually come with higher, more frequent remittances and shorter payoff windows.
Choosing the right option depends on your cash flow, credit, and growth plans.
Can I use a long-term loan in New York for equipment?
Absolutely. Long-term loans in New York are a great fit for high-cost equipment purchases, especially assets with a long useful life.
Spreading the cost over several years keeps your monthly remittances low and protects your working capital. If you’re upgrading machinery, investing in vehicles, or expanding your production capabilities, we’ll help you finance the full cost through structured monthly remittances.
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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.
