Tackle big goals with financing that gives your business room to grow. Whether you’re expanding your operations or upgrading equipment, we help you move forward without the friction.
Quick to start
Start online in minutes or call one of our small business experts at (844) 501-8662 and select option 1.
Fast decision-making
We review your business performance and recommend funding options that support your long-term plans.
Funds delivered fast
Once approved, you could see funds in your account in just 4 hours. You’ll also get access to a secure online dashboard 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 answers
You won’t wait around or get bounced between departments. Find out where you stand in minutes and get funded in just hours.
Proven experience
We’ve helped over 50,000 small businesses nationwide secure more than $2.5 billion. With a 4.8 Trustpilot rating, Credibly brings the service and support you deserve.
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 fast can I get a long-term loan?
Long-term loans typically take more time to process than short-term options due to the size of the loan and the documentation involved.
Looking at other funding options? We also offer working capital loans and merchant cash advances which you could be approved for in as fast as 2 hours.
Is a long-term loan 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 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 to buy real estate?
Yes, long-term business loans 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.
What do I need to qualify for long-term financing?
Lenders want to see that your business is stable. They’ll check your credit, revenue, and cash flow. Be ready to share documents like financial statements and tax returns.
Meeting basic requirements like a solid credit score and consistent income improves your chances. Your offer may vary based on how strong your application is. Review all terms carefully to make sure the plan fits your budget.
Why does business growth matter?
Growth increases revenue, expands reach, and strengthens your spot in the market. Without expansion, your business eventually hits a cap.
Let’s say you’re always booked, but your shop is maxed out. To earn more, you’ll need a second location or extra staff. That kind of upgrade takes cash, and long-term funding can help you make it happen without delay.
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
*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.
