Small business financing and loans in Philadelphia

50,000+ small- and medium-sized businesses funded—yours could be next.

Credibly small business loans in Philadelphia make all the difference

The right amount of funding
Too little capital can slow you down, and too much can create unnecessary pressure. Get the right-sized financing to keep your business on track.
Grow with confidence
Keep cash flow strong with working capital designed to help you grow—without financial strain.
The Credibly difference
Tap into a financing process built for business owners—clear terms, a quick application, and funding when you need it.

Request a quote

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Approval

As fast as 2 hours

Funding

As fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Approval

as fast as 2 hours

Funding

as fast as 4 hours

$2.5+

billion in financing

50,000+

small businesses financed

Financing options for small businesses*

Working capital loan

Uses:

Hire more staff
Hiring is one of the hardest parts of owning your business. A working capital loan for small businesses makes it easier to hire the staff you need.

Scale up your marketing campaigns
Let us help with the right small business loans so you can maximize marketing potential by investing in local ads, digital advertising, and strategic partnerships.

Business specific needs
The challenges you face are unique to you. We’re here to listen and ensure that you always have enough cash flow to seize an opportunity as it arises.

Merchant cash advance

Fluctuating revenue? Not a problem

Merchant cash advances are perfect for businesses with fluctuating revenue and lower credit scores.

You can use these funds to buy inventory, pay employees, make emergency repairs, pay for marketing expenses, purchase equipment, and finance other short-term expansion projects.

Long term loans

Open a new location

Enjoy lower APRs and longer payback periods—perfect for making down payments for a new location.

New equipment

Unlike traditional banks that make finding financing options difficult, we’ll provide you with reasonable interest rates.

Make renovations

Don’t get bogged down in red tape, get lower interest loans that let you make the repairs and updates you need.

Business line of credit

Capital when you need it

Get the most flexible access to working capital anytime you need it with revolving business lines of credit.

Draw only what you need

Withdraw exactly as much as you need, and don’t let your business get saddled with a loan you won’t utilize.

Pay for what you use

You’ll only pay interest on the amount you withdraw, which means the cost of capital is usually less than other types of funding.

How to apply for a small business loan online

Step 1

Apply online

Click “Get Started” to apply for financing.

Step 2

Gather required documents

We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.

Step 3

Approval in as little as 2 hours

Your loan application will be reviewed and you can get approved in as fast as 2 hours.

Step 4

Receive same-day funding

If approved, your requested financing can be transferred to your bank account as soon as the same business day.

What our customers say about our small business loan services in Philadelphia

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

What customers say about our small business loans

“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.”

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

More small business financing options*

Merchant cash advance

Provides you with up-front funding in exchange for a portion of future receivables.

Equipment financing

This small business financing option allows you to pay for your machine over the life of the lease with low APRs.

Line of credit

Get flexible financing to access funds when you need it.

SBA loans

Get lower interest rates and longer repayment periods. We'll guide you through the application for a small business loan.

Why Credibly is the obvious choice for small business loans in Philadelphia

Fast and simple online application
Funding in as little as 4 hours
Direct deposit to your account
Secure, seamless experience
Factor rates as low as 1.11**

Small business loans in Philadelphia---The Credibly difference

	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

FAQs for small business loans in Philadelphia

What if I’ve already taken out a loan in Philadelphia for my business?

Even if you’ve borrowed before, you may still qualify for funding with Credibly. Many small business owners use Credibly to secure additional working capital. We look at your current business performance and remittance history.

Our team of financing experts will help assess your options and build a plan that works with your existing commitments.

Can I use a small business loan in Philadelphia to hire employees?

Yes. Many business owners use small business loans in Philadelphia to expand their team, especially when preparing for growth or covering seasonal demand.

A loan can help you cover salaries, training, onboarding, or even a new workspace.

What can I use a small business loan for in Philadelphia?

You can use your funds for inventory, payroll, rent, equipment upgrades, marketing, or other essential operating costs.

Whether you’re expanding, managing seasonal dips, or stabilizing cash flow, our flexible financing options give you the freedom to focus on growth.

How do I know how much to borrow?

Start by asking what you need the funds for, covering operating costs, hiring, inventory, or expansion. Then estimate how much capital is required to execute that plan without straining your cash flow.

You don’t need to take the maximum amount available, only what fits your goals and what you can afford. We provide clear terms and flexible options, so you can choose what makes sense for your business.

How is a line of credit different from a loan?

A loan gives you a one-time lump sum with a set remittance schedule.

A line of credit is revolving; you draw only what you need, when you need it, and only pay for what you use. This makes a line of credit ideal for ongoing or unexpected expenses. It’s like having a cash cushion you can tap into at any time.

Locations we serve