Secured business loans

Cover day-to-day business expenses and plan for the future with secured business loans and financing.

Trusted by:

Trusted by
Approval

as fast as 2 hours

Funding

as fast as 4 hours

$3+

billion in financing

55,000+

small businesses financed

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You could qualify for these secure business loans & financing

When you take secured business financing, you use specific assets as collateral. By doing this, you may be eligible for higher financing amounts or better terms. 

However, if you were not able to make remittances, the financing provider may take the assets used as security.

Drive your business forward with flexible, secured small business loans and financing.

Requirements to qualify

What you need to qualify

Here’s what you need to qualify for each financing option.

Working capital loan

  • Operating in the United States 
  • 6+ months time in business 
  • $15,000+ in monthly revenue*
  • Deposit revenue in a business bank account
  • A credit score of 500+

Long-term loans

  • Operating in the United States
  • 2+ years in business
  • $500,000 in yearly deposits*
  • Deposit revenue in a business bank account
  • A credit score of 700+

What our customers say about working with Credibly

How businesses succeed with secured business loans & financing

Secure business loans offer businesses a launchpad into future success.

Here’s how they’re helping businesses succeed:

  1. Bigger funding for bigger goals
    Secure larger amounts to tackle big projects like expanding locations, upgrading equipment, or launching new ventures.
  2. Flexible terms
    Putting up security can allow financing providers to offer more flexible options.
  3. Funding, when you need it
    Funding is available in your business account in as fast as 24 hours from approval.
How businesses succeed with secured business loans & financing

We are trusted by:

Get started with these 4 simple steps

Getting the funds you need to grow your business has never been easier. Here’s how you can get started.

Apply online

Click “Get Started” to review your financing options—all without impacting your credit score.

2

Get your documents ready

Gather your recent bank statements and a government-issued ID.

Approval in as little as 4 hours

Submit your application and get approved in as little as 4 hours.

Receive same-day funding

Once approved, your funds can land in your business bank account as soon as the same business day.
Secured business loans

Pros and cons of secured business loans & financing

Pros
  • Working capital loans can be used for any business need you have.
  • Long-term loans are perfect for helping you take on growth-focused initiatives.
Cons
  • Working capital loans often require collateral. A flexible approval process also means rates will be higher.
  • Long-term financing can be more difficult to qualify for.

Why businesses choose Credibly for secured business loans

When you choose Credibly, you’re not just getting a loan—you’re gaining a partner dedicated to your growth.

Proven track record

With over 46,000 businesses funded and a 4.8 Trustpilot rating, Credibly has earned the trust of business owners nationwide.

Expert guidance 

From application to funding, our 100% U.S.-based support team is here to help you navigate every step of the financing process.

Flexible options

We provide tailored financing solutions with competitive terms—from merchant cash advances to secured loans, we can help you find what you’re looking for.

Why businesses choose Credibly for secured business loans

Pros and cons of secured business loans & financing

Pros
  • Working capital loans can be used for any business need you have.
  • Long-term loans are perfect for helping you take on growth-focused initiatives.
Cons
  • Working capital loans often require collateral. A flexible approval process also means rates will be higher.
  • Long-term financing can be more difficult to qualify for.
Long term business loans
Business financing made easy

Fill out the application online and get answers in hours. That’s long-term small business financing as it should be.

Grow, don’t owe

Get flexible financing that suits your business and lets you grow, not owe

100% U.S.-based reps

Getting financing can be stressful. Our exceptional customer service team is here to help you get the answers you need to run your business with confidence.

Not just a credit score

You are more than a P&L and credit score to us. Work with a lender that looks at your business potential and wants you to succeed.

Credibly’s other business financing options

Merchant cash advance

A great financing solution for those with lower credit scores in immediate need of short-term funding.

Long-term loan

Plan for the future with confidence with this long-term loan.

Business lines of credit

The most flexible access to working capital whenever you need it.

All financing options

Don’t see what you need here? Look at all of Credibly’s business financing options.

Frequently asked questions about secured business loans

Is it difficult to get a secured business loan?

Secured loans are usually easier to qualify for, and have lower rates because the lender is assuming less risk.

For a secured business loan with Credibly, you need to have:

  • A credit score of 500+ for a working capital loan*
  • A credit score of 700+ for a long-term loan

What types of collateral can I use for a secured business loan?

Acceptable collateral typically includes real estate, vehicles, or equipment, or accounts receivable.

The value and type of collateral influence the loan amount and terms.

Make sure the asset is fully owned or has sufficient equity to meet the lender’s requirements.

How is a secured loan different from an unsecured loan?

Secured loans require collateral, offering benefits like larger funding amounts and longer repayment terms.

Unsecured loans don’t need collateral, but they often have stricter eligibility criteria, higher rates, and shorter repayment periods.

Our recent blogs

New business opportunities are just a click away.

Seize the future. Apply for best-fit financing today.

*Some products are made available through Credibly’s network of external funding partners.