Running a business in L.A. takes speed and flexibility. A merchant cash advance gives you fast access to working capital—without the paperwork.
Quick approval. Fast funding.
Apply online in minutes. Get a decision in hours. Funds could hit your account in as fast as 4 hours.
You decide how to use your money
Cover payroll, restock shelves, invest in marketing, or take on a new project—it’s your call.
Remittances that flex with revenue
Your remittances rise and fall with your sales, helping you keep cash flow steady no matter what.
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
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 loan 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.
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 |
How quickly can my business access funds through a merchant cash advance in Los Angeles?
Fast access to capital is a key advantage of merchant cash advances in Los Angeles. Online application processes are streamlined and many providers, including Credibly, often review your financials within hours. After approval, funds can be deposited in your business account as soon as 4 hours.
This speed helps you cover urgent expenses, purchase inventory or upgrade equipment without pausing operations. You simply apply.
What determines the factor rate for my merchant cash advance in Los Angeles?
Factor rates tell you how much you will remit on your merchant cash advance in Los Angeles. 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.
Can you write off merchant cash advances in Los Angeles?
An MCA in Los Angeles is a sale of future receivables, not taxable income. You don’t report the lump sum as revenue. Your remittance from daily sales are not deductible.
But you can deduct any associated fees (i.e. factor rate fees, administrative or origination charges) as business financing costs.
What documentation is required to apply for an MCA in Los Angeles?
Applying takes minutes online and typically asks for minimal documentation. You'll often need to provide 3-4 months of your most recent business bank statements to apply.
Streamlined docs help speed up funding, making MCAs in Los Angeles much faster than traditional bank loans. If you gather statements and basic info ahead, your application flows quickly and gets you working capital sooner.
How do MCAs in Los Angeles affect cash‑flow planning?
MCAs in Los Angeles pull a portion of sales daily or weekly, based on holdback terms. On busy days, remittances can swell; on slow days, it can shrink.
This variable deduction can make budgeting unpredictable, especially for payroll or rent.
Understanding your business revenue rhythms and factoring in peak and slow months is critical. A clear cash‑flow plan helps you know how much cushion you need to absorb remittance fluctuations.
Table of Contents What happens if you default on a business loan? What happens if your business defaults on a loan? What if I
Table of Contents Who founded Small Business Saturday? Key facts about Small Business Saturday When is Small Business Saturday? What happens on Small Business Saturday?
Table of Contents What makes AI tools for marketing valuable Categories of AI marketing tools every business should know How AI tools for marketing
*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.
