Need fast funding in Arizona? A merchant cash advance gives you access to working capital tied to your sales.
Quick access, no delays
Complete the application in minutes. Approvals can come through in as fast as 2 hours. Funding can hit your account in just 4.
Spend where it counts
Put the money to work where you need it most, from hiring staff, launching ads, buying equipment, to anything in between.
Payments that match your cash flow
Remittances rise and fall with your revenue, so you’re never locked into a fixed daily amount when business dips.
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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
Apply online in minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely need:
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.”
Still looking for the right fit? Check out all of Credibly's business financing options.
Why businesses across Arizona go with Credibly
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 |
What determines the factor rate for my merchant cash advance in Arizona?
Factor rates tell you how much you will remit on your merchant cash advance in Arizona. Rates usually fall between 1.2 and 1.5, and can be as low as 1.11.
MCA providers review several factors about your historical business performance to determine this rate. Showing consistently strong cash flow may help reduce it. Being in a stable industry with predictable sales can also help improve your rate, while being in a new or seasonal industry may lead to higher rates.
Will applying for an MCA in Arizona hurt my credit score?
Most merchant cash advance providers in Arizona typically use a soft credit pull when reviewing applications. Soft inquiries do not affect your credit score or show up for other financiers to see.
Some providers may escalate to a hard pull when dealing with larger advances or if they require deeper underwriting. Hard inquiries can shave a few points off your score and stay on your report for about two years.
How do remittances work with a merchant cash advance in Arizona?
Remittances for a merchant cash advance in Arizona are designed to follow your cash flow. Instead of monthly bills, the financing provider collects either a percentage of each card sale or a fixed daily or weekly amount based on your average revenue.
Either approach matches remittances to the rhythm of your sales, so you can meet obligations without the surprise of a one‑size‑fits‑all monthly bill.
How can I qualify for a merchant cash advance in Arizona?
To qualify for an MCA in Arizona, you typically need consistent monthly credit/debit card sales, over six months in business and $15,000+ a month in revenue. You will also need to have at least 3 months of business bank statements to apply.
Providers look more at daily card transaction volume than high credit scores.
Even if your credit score is below 600, approval is possible for many businesses. Some providers also consider total revenue and bank deposits.
Does remitting the full amount of my MCA in Arizona early save me money?
Not always. That’s because MCAs in Arizona are not amortized.
When you receive an MCA, you commit to remitting the advance amount plus the cost of borrowing. Even if you make larger remittances up front, the total cost remains the same.
However, some financing providers may offer discounts for remitting earlier. Ask your financing provider about any programs they have.
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*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
