Getting funds should be simple. That’s why Phoenix entrepreneurs choose Credibly for fast, straightforward financing that helps them stay ahead.
Funding, fast
Submit your online application in minutes. Get a decision in as little as two hours. Funds can land in just four hours.
Spend where it counts
Handle day-to-day expenses, launch a campaign, buy supplies, or fix a breakdown. Use your funds where they’ll make an impact.
Remittances that adjust to sales
Your remittance amount shifts with your revenue. When business slows, your remittances can adjust.
Request a quote
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
Apply online in minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely need:
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 loan 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.”
Still looking for the right fit? Check out all of Credibly's business financing options.
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 |
Remittances via MCAs in Phoenix match your daily revenue patterns. Providers withhold a fixed percentage of each credit/debit sale (“holdback”), so you pay proportionally to earnings.
On slow days you pay less.
On busy days you remit more. Some providers offer fixed daily or weekly amounts based on average revenue.
To qualify for an MCA in Phoenix, you typically need consistent monthly credit/debit card sales, over six months in business and $15,000+ a month in revenue. You will also need to have at least 3 months of business bank statements to apply.
Providers look more at daily card transaction volume than high credit scores.
Even if your credit score is below 600, approval is possible for many businesses. Some providers also consider total revenue and bank deposits.
An MCA in Phoenix is a sale of future receivables, not taxable income. You don’t report the lump sum as revenue. Your remittance from daily sales are not deductible.
But you can deduct any associated fees (i.e. factor rate fees, administrative or origination charges) as business financing costs.
No. Remittances on MCAs in Phoenix typically do not get reported to credit bureaus.
Since MCAs are technically a sale of future revenue, not a loan, the activity usually doesn’t show up on your credit profile. That means your business credit score won't benefit from making remittances on time.
While you may qualify for an MCA with lower credit, it won’t help you build credit history.
Fast access to capital is a key advantage of merchant cash advances in Phoenix. Online application processes are streamlined and many providers, including Credibly, often review your financials within hours. After approval, funds can be deposited in your business account as soon as 4 hours.
This speed helps you cover urgent expenses, purchase inventory or upgrade equipment without pausing operations. You simply apply.
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*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
