Secure the funding you need to keep your operations running smoothly and position your business for growth.
Funding on your terms
Submit your application online in minutes, get a fast decision, and access capital in as little as 4 hours.
Competitive, business-friendly rates
Factor rates starting at 1.11* help you control costs while putting your working capital to use where it matters most.
Dedicated support from start to finish
Our 100% U.S.-based team provides clear guidance, timely updates, and hands-on help to get you funded quickly.
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 Michigan 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 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.”
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 |
How do I know if a working capital loan in Michigan is right for me?
If your business has strong revenue but struggles with cash flow, a working capital loan can help.
It’s designed for short-term needs, like covering payroll, rent, or vendor invoices, when timing matters more than anything else.
You’re not borrowing to take on debt. You’re using financing to keep your operations running smoothly.
Will applying hurt my credit score?
Most financing providers, including Credibly, only perform a soft credit inquiry during the initial application process. That means applying typically doesn’t affect your credit score.
Our goal is to help you secure the capital you need without putting your business or personal credit at risk. You’ll always know what to expect up front.
How can a working capital loan in Michigan help with cash flow gaps?
Every business faces cash flow gaps at some point, whether it’s delayed customer payments, slow seasons, or rising expenses.
A working capital loan in Michigan gives you the breathing room to manage those gaps without cutting staff, delaying orders, or pausing operations. Instead of scrambling to cover costs, you’ll have the flexibility to keep moving forward.
Who qualifies for a working capital loan in Michigan?
To qualify for a working capital loan in Michigan, your business must operate in the U.S., have been active for at least 6 months, and deposit revenue into a business bank account.
You’ll also need a minimum monthly revenue of $20,000 and a credit score of 550 or higher.
These requirements help financing providers like Credibly evaluate your cash flow, ability to pay, and business stability.
What’s the difference between a working capital loan in Michigan and a line of credit?
A working capital loan in Michigan gives you a lump sum of cash up front, which you pay back over time through fixed daily or weekly payments. It’s ideal for short-term needs like payroll.
When you get a line of credit, by contrast, you are approved for a certain amount, but you can draw funds as needed up to that designated amount.
Each has its own benefits depending on how you plan to use the funds.
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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
