Big goals need dependable support. With long-term financing, you can invest in your business with confidence and keep building without slowing down.
Apply quickly
Start your application online or talk to a funding expert at (844) 501-8662 and select option 1.
Fast decisions
We evaluate your business performance and recommend financing that fits your long-term strategy.
Easy access to funds
Once approved, your capital could hit your account in 4 hours. Use your online dashboard to track everything and stay on top of automated 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.
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.
Clear guidance, quick results
Skip the long waits and confusing paperwork. See what you qualify for within minutes and get your funds fast.
Proven track record
We’ve helped over 50,000 small businesses access more than $2.5 billion in funding. With a 4.8-star Trustpilot rating, Credibly is trusted coast to coast for speed, service, and support.
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 get a long-term business loan?
You can apply through a bank, credit union, or an online business lender. Banks often take longer to process applications and have tougher approval requirements.
Online lenders are faster and more flexible, especially if you're trying to secure funding quickly or have been turned away by traditional institutions. These types of loans are usually referred to as term loans and typically last three years or more.
What can I use a long-term loan for?
Most long-term loans give you freedom to use the funds where they’ll make the biggest impact. You can hire staff, upgrade your space, invest in equipment, or boost operations.
Some loans are more specific. For example, if you’re financing a vehicle or buying property, the money may need to go directly toward that purchase. Always confirm the use guidelines before signing.
Which loan is better: short-term or long-term?
Short-term loans work best for quick fixes like cash flow gaps or one-time expenses. They’re easier to qualify for but tend to carry higher costs.
Long-term loans are ideal for bigger goals that take time to pay off. You get more time and usually lower rates. If you’re unsure which option makes the most sense, Credibly can help you compare.
What do I need to qualify for a long-term loan?
Lenders review your credit score, income, and overall business performance. Expect to share documents like tax returns, revenue reports, and bank statements.
If your business shows steady income and solid financials, you’ll have a stronger chance of qualifying. Look over the full offer to make sure the terms work for your cash flow.
Why does growing my business matter?
Expansion helps you reach more customers, increase revenue, and strengthen your position in the market. If you’re maxed out, you’re missing new opportunities.
To grow, you’ll likely need to invest in more staff, new equipment, or additional space. A long-term loan gives you the capital to take that next step without draining your reserves.
What other funding options support business growth?
You can also look into SBA loans, seek out investors, or launch a crowdfunding campaign. These options work in some cases but often take longer or come with strings attached.
Lines of credit and business cards are also available but can add up quickly in interest. If you're looking for structure and predictability, a long-term loan offers a solid foundation for sustainable growth.
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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.
