Fuel your next move with financing that supports your vision. Whether you’re planning to scale, upgrade, or invest, long-term funding gives you the power to grow with confidence.
Apply online fast
Start our simple application or call a small business expert at (844) 501-8662 and select option 1.
Quick funding decisions
We evaluate your business performance and present long-term options that match your goals.
Access your funds fast
If approved, you could receive your funds in 4 hours. Log in to your online dashboard 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.
in Scottsdale
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.
Straightforward answers
No back-and-forth. No confusion. Get a clear approval decision within minutes and fast access to funds.
Backed by experience
Credibly has helped more than 50,000 small businesses secure over $2.5 billion in funding. With a 4.8-star Trustpilot rating, we deliver funding that’s fast, reliable, and built around your business.
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 funding for my business?
You can get long-term financing through banks, credit unions, or online business lenders. While local banks may offer term loans, they often have stricter approval rules and slower timelines.
Online lenders provide faster decisions and more flexibility, especially if you’re moving quickly or don’t meet traditional requirements. Loans that run for three years or more are typically called term loans.
What can I use a long-term loan for?
Most long-term business loans can be used for nearly any growth-related need. That includes hiring, expanding your space, buying equipment, or increasing inventory.
Some loans are more specific. If you're financing property or a fleet, the funds might be tied to that use. Always review the loan terms before moving forward.
Should I pick a long-term loan or a short-term loan?
Short-term loans are great for quick needs like seasonal expenses or temporary dips in revenue. They’re easier to get but usually cost more in the long run.
Long-term loans are better for projects that take time to pay off. You’ll have longer repayment periods and lower rates. Need help choosing? Talk to a Credibly funding expert to find what fits your plan.
How do I know if I qualify for long-term funding?
Lenders will check your credit score, cash flow, and business history. You’ll need to provide financial paperwork like tax returns and recent statements.
If your numbers show consistency and healthy revenue, you’re more likely to get approved with better terms. Be sure to go over the full offer before making a decision.
Why should I invest in expanding my business?
Growth brings in more customers, boosts revenue, and helps you compete in a bigger market. If you’re already operating at capacity, you're missing chances to scale.
More space, better equipment, or a second location can increase what your business earns. A long-term loan helps you take the leap without draining your reserves.
What are other ways to fund a business expansion?
You could try SBA-backed programs, investor funding, or even a crowdfunding campaign. These paths work for some, but they often take longer or come with trade-offs.
Lines of credit and business credit cards can help, but the interest can pile up fast. Long-term financing gives you predictable costs and a steady plan to grow smart.
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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.
