Take on new opportunities with funding designed to move at your pace. Long-term financing gives you the power to plan big and grow smart.
Apply in minutes
Start online or connect with a loan expert by calling (844) 501-8662 and select option 1.
Quick decisions
We take a close look at your business and offer options that align with your goals.
Fast access to funds
If approved, funds may be deposited into your account in 4 hours. Your online dashboard gives you 24/7 access and automatic remittance 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.
Straightforward answers
We keep it clear and simple. Find out what you qualify for without the wait or the confusion.
Supporting business owners nationwide
Over 50,000 small businesses have secured more than $2.5 billion through Credibly. With a 4.8-star Trustpilot rating, we’re proud to be a partner that business owners trust for speed, support, and real results.
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 |
Where can I apply for long-term business funding?
You can explore options through banks, credit unions, or online lenders. Traditional banks tend to have lengthy approval processes and stricter requirements.
Online lending platforms move faster and often approve a wider range of businesses. If you're looking for a loan that lasts three years or more, this is typically referred to as a term loan.
What can I use a long-term loan for?
Most long-term loans are flexible, giving you the freedom to invest in areas that matter most. Whether it's expanding locations, improving technology, or adding staff, you decide how to use the funds.
Some loans are more specific. For instance, financing for commercial vehicles or real estate may be limited to those purchases. Always check the terms before committing.
Should I choose long-term or short-term financing?
It depends on your situation. Short-term loans work well for fast fixes like covering seasonal dips or replacing equipment. They're quicker to get but often cost more over time.
Long-term loans are better for larger investments that take time to pay off. They usually come with lower rates and longer payment timelines. Not sure what fits? A quick chat with a Credibly advisor can help you decide.
How do I know if I qualify for a long-term loan?
Lenders review your credit score, revenue, and overall business health. You’ll likely need to provide tax returns, financial statements, and recent bank records.
If your numbers show consistent performance and positive cash flow, your chances of approval go up. Be sure to look over the full offer and make sure the terms work for your business.
Why should I consider expanding my business?
Growth helps you reach more people, bring in more revenue, and stay competitive. If you're always at capacity, you’re leaving money on the table.
To serve more customers, you may need more space, better tools, or additional staff. Expansion takes capital, and a long-term loan can help you move forward without draining your cash reserves.
Are there other ways to fund business growth?
Yes, but not all paths are equal. You could try SBA funding, pitch investors, or launch a crowdfunding campaign.
Some owners lean on credit cards or lines of credit, but those can get expensive fast. For large-scale growth, long-term financing gives you stability and a plan you can actually manage.
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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.
