When you’re ready to scale, invest, or stabilize, long-term financing gives you the flexibility to make smart moves without hitting pause on your day-to-day.
Quick start
Start applying online in minutes or talk directly to a business funding expert at (844) 501-8662 and select option 1.
Fast results
We review your business performance and connect you with funding options that match your goals.
Funds delivered fast
If approved, you could receive your capital in 4 hours. You’ll also get access to a secure portal and automatic remittance tools for easier management.
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.
Get answers without the runaround
No confusing terms. No waiting weeks. Find out where you stand quickly and get funded in just a few hours.
Proven across the country
Credibly has delivered over $2.5 billion to 50,000 small businesses nationwide. With a 4.8-star Trustpilot rating, we’ve earned the trust of business owners who want speed, clarity, and real 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 |
How do I qualify for a long-term business loan in Los Angeles?
To qualify for a long-term loan in Los Angeles with one of Credibly’s partners, you’ll typically need to meet these criteria:
You’ll also need to be operating in the U.S.
At Credibly, we help strong, established businesses access long-term funding with straightforward monthly remittances and flexible structures. If you’re not quite there yet, we’ll guide you toward faster, short-term financing to keep you moving forward until you qualify.
Can I use a long-term loan in Los Angeles alongside other financing?
Yes, you can use a long-term loan in Los Angeles alongside other financing products, like a line of credit or working capital loan, as long as your cash flow can support the remittances.
In fact, many business owners do just that: use a long-term loan for large investments while keeping a credit line available for day-to-day needs.
What can I use a long-term in Los Angeles business loan for?
Long-term business loans in Los Angeles are ideal for large, strategic investments that need time to pay off. That includes facility expansions, new locations, major equipment purchases, or long-term growth initiatives.
These loans offer larger funding amounts and lower monthly remittances, so you can grow without draining your cash reserves.
What kind of businesses use long-term loans in Los Angeles?
Long-term loans in Los Angeles are best suited for established businesses with stable revenue and long-term investment plans.
That includes manufacturers, healthcare providers, wholesalers, franchise owners, and service-based companies investing in property, equipment, or hiring.
These loans help fund multi-year growth strategies.
If your business is generating $500K+ annually and you’ve been operating for at least 2 years, you may be a great candidate.
Will a long-term loan in Los Angeles affect my credit?
It can, but in a positive way if used responsibly. Making on-time monthly remittances helps build your business credit, which can improve your ability to qualify for future funding at better terms.
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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.
