Take on big projects, invest in upgrades, or strengthen your cash flow with long-term funding built around your goals. This is capital that keeps up with your business.
Easy to get started
Start online in minutes or speak with a business specialist at (844) 501-8662 and select option 1.
Fast funding decisions
We look at your business health and match you with long-term financing options that align with your growth plans.
Quick access to funds
If approved, you could receive your money in as soon as 4 hours. Manage your account online with tools that keep everything on track.
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.
Straight talk. Fast answers.
Forget long waits and confusing paperwork. Find out quickly what you qualify for and get funded in just a few hours.
Trusted nationwide
Credibly has helped more than 50,000 small businesses access over $2.5 billion in funding. With a 4.8 Trustpilot rating, business owners rely on us for speed, service, and support that makes a 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 |
Where can I find long-term business financing?
You can apply through a traditional bank, a credit union, or an online business lender. Banks and credit unions tend to have strict approval criteria and slow timelines.
Online lenders move faster and offer more flexibility, especially if your credit score or business history isn’t perfect. Long-term loans, often called term loans, usually cover repayment periods of three years or longer.
What can I use long-term funding for?
Most long-term loans give you full control over how you use the money. That includes upgrades, new hires, location expansion, or new equipment.
Some loans are tied to specific uses. If you're financing a building or a vehicle, the funds may need to go toward that purchase. Make sure you understand the agreement before signing.
Should I choose long-term or short-term funding?
It depends on your situation. Short-term loans are great for fast fixes like restocking inventory or filling seasonal cash gaps. They’re easier to qualify for but may come with higher costs.
Long-term loans offer lower rates and give you more time to repay. They're ideal for bigger projects that support growth over time. Not sure what’s right? A Credibly expert can help you find the right fit.
How do I know if I qualify for long-term funding?
Lenders look at your credit score, business revenue, and financial history. You’ll likely need to provide tax records, profit and loss statements, and bank details.
If your business shows healthy performance and stable income, your approval odds improve. Be sure to review the full offer so you know exactly what you're agreeing to before moving forward.
Why should I consider expanding my business?
Expansion helps you bring in more customers, grow your brand, and increase profits. It also helps you meet demand without turning away sales.
Let’s say you’re already operating at full capacity. To serve more people, you’ll need more space, staff, or equipment. That growth takes money upfront. A long-term loan gives you the capital to take that next step.
What are some other ways to fund business growth?
You can explore SBA programs, equity investors, or even launch a crowdfunding campaign. These may work, but they take time and often come with trade-offs.
Some owners turn to credit cards or lines of credit, but interest charges can stack up fast. If you're looking for a structured and sustainable way to grow, long-term financing is usually the smarter move.
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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.
