Small business financing and loans in Tempe

50,000+ businesses funded—yours could be next.

Credibly small business loans in Tempe help you succeed

Capital that fits your needs
Too much funding can be overwhelming, and too little can limit growth. We ensure you get the right amount to keep your business moving.
Expand without financial stress
Maintain steady cash flow with flexible working capital that fuels your success—without unnecessary financial strain.
Fast, simple, and hassle-free
A financing process designed for business owners—straightforward terms, a quick application, and funding when you need it.

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 Tempe

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 Tempe

Online application that takes minutes
Funding in as little as 4 hours
Direct deposit into your account
Secure and user-friendly process
Factor rates as low as 1.11**

Small business loans in Tempe---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 Tempe

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

Credibly provides working capital financing and merchant cash advances. We also offer SBA loans, business lines of credit, equipment financing, and long-term funding options through our lending partners.

Not sure what you need? Our financing specialists can help you:

Explore financing options tailored to your business needs
Identify the best funding solution for your situation
Guide you through the online application process

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

Requirements depend on the type of financing, but general qualifications include:

At least six months in business
A credit score of 500 or higher
Minimum $15,000 in average monthly revenue ($180,000+ annually)

Some financing options may have additional requirements.

Can I qualify for financing with bad credit?

Yes! Some funding solutions, like merchant cash advances, focus on revenue rather than credit history. Equipment financing is another strong option since the equipment itself serves as collateral. Many financing products may also help you build business credit over time.

Can startups qualify for small business financing?

Startups typically don't meet the requirements for Credibly's financing, as you must have been in business for at least six months to apply.

However, new businesses often explore alternative funding options, such as:

Business credit cards
Personal financing options
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 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 early remittance or additional costs?
How will my remittance structure work? (Fixed payments, percentage-based remittance, etc.)

Reviewing these factors ensures you secure the right financing for your business.

Locations we serve