Take on new projects, expand with confidence, and cover big-ticket expenses without the red tape. Our long-term financing gives you room to grow.
Apply your way
Start your online application or talk to a real person at (844) 501-8662 and select option 1. Whichever works best for you.
Get a fast decision
We review your business performance and match you with long-term funding options that support your growth.
Access your funds
Once approved, money can hit your account as fast as 4 hours. Manage your financing through your secure online portal with 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.
Straightforward process
No drawn-out timelines or confusing steps. You get a clear answer fast and funding without the wait.
Nationwide experience
With over $2.5 billion provided to more than 50,000 small businesses, and a 4.8 Trustpilot rating, Credibly delivers fast, reliable financing that helps businesses grow.
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 pay off my long-term loan in Arizona early?
In many cases, yes. Some long-term loans in Arizona allow early remittance with no penalty, while others may include prepayment fees, especially in the first few years.
Paying early can save on interest, but it's important to run the numbers first. Our team will walk you through different scenarios so you can make the right call for your business and your budget.
Can I get a long-term loan in Arizona if I’ve already received other business funding?
It depends. If your cash flow and credit still support the additional debt, you can qualify for a long-term loan even if you’ve already used other financing.
In fact, many businesses use long-term loans in Arizona to pay off shorter-term debt, lower their remittance burden, or fund a separate investment.
What would I pay on a $1 million long-term business loan in Arizona?
Actual terms may vary depending on your credit score, business performance, and loan amount.
Is a long-term loan in Arizona better than a short-term loan?
It depends on your goals.
If you need lower monthly remittances and want to invest in long-term growth, a long-term loan in Arizona is usually the better fit. It gives you more breathing room, more funding, and more time to see ROI.
Short-term loans are better for quick fixes or fast-turnaround projects but come with higher remittances and shorter payoff windows.
We walk you through both scenarios. Whether you’re building out infrastructure or managing day-to-day costs, we help you choose the right structure.
Can I use a long-term loan in Arizona to buy real estate?
Yes, long-term business loans in Arizona can be used to purchase commercial property or expand your physical location.
These types of loans are ideal for real estate investments because they offer high funding amounts and monthly remittances spread over years, making large purchases more manageable.
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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.
