Get fast access to the cash you need to keep your business running strong and ready for what’s next.
Capital when you need it
Apply online in minutes, get approved quickly, and receive funds in as little as 4 hours.
Cost-conscious rates
With factor rates starting at 1.11*, keep expenses low while using your capital to grow and adapt.
Help from people who know business
Our 100% U.S.-based team gives you straight answers, quick updates, and guidance to secure the right funding.
Request a quote
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
Qualifying criteria
Working capital loans in Arizona are available to businesses that meet certain requirements:
Applying is fast and easy. You’ll be assigned to a dedicated financing expert who can guide you through each step of the process and answer your questions as you go.
Once you’re approved, you can get the funds in your account as fast as the same day, and start using as you need.
Get started today with three easy steps
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.
What our customers say about our working capital loans in Arizona
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.”
A great financing solution for those with lower credit scores in immediate need of short-term funding.
The most flexible access to working capital whenever you need it.
Don’t see what you need here? Look at all of Credibly’s business financing options.
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 |
Can I apply for a working capital loan in Arizona if I’ve been turned down by a bank?
Yes. We look at your business performance, cash flow, and growth potential, not just your credit report.
To qualify for a working capital loan with us, you need:
Our easy online application can be completed in minutes, and funding can arrive as fast as 4 hours.
How fast can I get funded with a working capital loan in Arizona?
Speed matters when your business needs cash. With Credibly, qualified businesses can receive funding in as fast as 4 hours after approval.
The entire application can be completed online, without piles of paperwork or back-and-forth calls.
What types of businesses use working capital loans in Arizona?
Working capital loans in Arizona are used by businesses across industries, like retail shops, medical clinics, restaurants, contractors, auto repair shops, and more.
If you need cash to cover day-to-day expenses or prepare for a seasonal rush, this type of financing helps you stay ready. From service-based companies managing payroll to product-based businesses needing inventory, working capital provides flexible support without long waits.
Can a working capital loan in Arizona be long-term?
Long-term loans are often defined as loans with a term of 3 years or more. Working capital loans in Arizona are typically considered short-term, but some providers offer longer terms to support business stability or growth.
At Credibly, you can access funding from $25,000 to $600,000, with terms ranging from 6 to 24 months. This makes it easier to manage cash flow while planning ahead.*
*This is based on the merchant’s state and industry.
How flexible are the payment terms for working capital loans in Arizona?
Payments should work with your cash flow. That’s why Credibly offers flexible terms ranging from 6 to 24 months, with options for daily or weekly payments.
If you're a seasonal business or managing steady month-to-month revenue, flexible terms give you room to grow while staying in control.
Locations we serve
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*Rates, pricing, requirements and other terms and conditions subject to change without notice.
**$15K+ avg. deposits for a three-month average and the most recent month.
***Some products are made available through Credibly’s network of external funding partners
