What types of small business financing does Credibly offer?

Credibly provides working capital financing and merchant cash advances to small- and medium-sized businesses. We also partner with lenders to offer SBA loans, business lines of credit, equipment financing, and long-term funding options. Our financing experts can help you: explore funding solutions tailored to your business, identify the best financing option for your needs, and guide you through the simple online application process.

What are the eligibility requirements for Credibly's small business financing?

Qualifications depend on the type of financing, but general requirements include: at least six months in business, a credit score of 500 or higher, and a minimum of $15,000 in average monthly revenue ($180,000+ annually). Additional requirements may apply based on the financing product.

Can I qualify for financing with bad credit?

Yes! Some financing options, like merchant cash advances, prioritize revenue over credit scores. Equipment financing is another strong choice, as the equipment itself serves as collateral. Many of our funding solutions can also help you improve your business credit over time.

Can startups qualify for small business financing?

Startups typically do not meet the requirements for Credibly's business financing. You must have at least six months in business to apply. However, new businesses often consider alternative funding options, such as business credit cards, personal financing options, or self-funding and savings.

How can I use my small business financing?

Some financing options—like working capital loans and business lines of credit—offer flexibility, allowing you to use the funds however your business needs. Others, such as equipment financing or real estate loans, must be used for specific purposes.

What should I consider before applying for business financing?

Before applying, ask yourself: Will this funding help my business grow or stabilize? How much capital do I actually need? What are the terms, rates, and fees? Are there any early remittance or other costs? How will my remittance structure work—fixed payments, percentage-based remittance, etc.?

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Small business financing and loans in Phoenix

Helping 50,000+ businesses access funding—yours could be next.

Credibly small business loans in Phoenix keep business moving

Capital that works for you
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
Maintain steady cash flow with working capital that fuels your growth—without unnecessary financial strain.
Simple, fast, transparent
Enjoy a financing process designed for business owners—straightforward terms, an easy application, and quick access to funding.

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.

What our customers say about our small business loan services in Phoenix

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

What customers say about our small business loans

“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

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

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 Phoenix

Quick and easy online application
Funding in as little as 4 hours
Funds deposited directly to your account
Secure and seamless financing
Factor rates as low as 1.11**

Small business loans in Phoenix---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 Phoenix

What’s the difference between a working capital loan and a merchant cash advance?

A working capital loan gives you a lump sum of funds upfront, repaid over time with fixed daily or weekly remittances.

With an MCA, remittances are based on your actual sales, which means they can go up or down depending on business volume.

Simply put: MCAs are an advance, whereas working capital loans are a loan that gives you a lump sum.

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.

Can I get a loan in Phoenix if I work from home or don’t have a storefront?

Yes. You don’t need a storefront to qualify for a small business loan in Phoenix.

What matters is your revenue, time in business, and financial activity, not your business address. If you meet the basic qualifications, you could receive funding in as fast as 4 hours.

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

Credibly offers several types of business financing in Phoenix, 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.

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.

Locations we serve

Our recent blogs

Small business financing and loans in Phoenix

Working capital loan

Merchant cash advance

Long term loans

Business line of credit

What our customers say about our small business loan services in Phoenix

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