Small business financing and loans in San Francisco

50,000+ businesses funded—yours could be next.

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Credibly small business loans in San Francisco keep your business thriving

  • Funding that fits your needs
    Too much capital can add unnecessary pressure, while too little can slow you down. We help you secure the right amount to fuel your success.
  • Scale with confidence
    Access working capital that supports growth—without locking you into rigid terms.
  • Fast, transparent, and hassle-free
    A streamlined process designed for business owners—clear terms, an easy application, and quick funding.

Request a quote

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
50,000+

Small businesses financed

LOAN TERMS
Approval

As fast as 2 hours

time to fund
Funding

As fast as 4 hours

$2.5+

Billion in financing

INTEREST RATE
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 San Francisco

What customers say about our small business loans

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 San Francisco

  • Apply online in minutes
  • Funding in as little as 4 hours
  • Direct deposit to your bank account
  • A secure and seamless experience
  • Factor rates as low as 1.11**
Small Business Loans in San Francisco

Small business loans in San Francisco---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 San Francisco

What makes Credibly a good choice for small business loans in San Francisco?

We understand the real challenges small business owners face.

That’s why Credibly offers fast, flexible funding. Our application is 100% online, our team is U.S.-based, and we look beyond your credit score to understand your business.

Is there a minimum time in business to qualify for a small business loan in San Francisco?

Yes. To qualify for a small business loan in San Francisco through Credibly, your business needs to be operating for at least 6 months.

This helps us understand how your business performs over time and ensures there’s a consistent revenue history to evaluate.

Which financing option gives me the most flexibility?

If flexibility is your top priority, a working capital loan or business line of credit may be great options. You can get funds quickly and use as you need.

These options are ideal for covering gaps in cash flow, handling unexpected costs, or seizing opportunities as they arise.

What types of businesses qualify for small business loans in San Francisco?

We serve a wide range of industries, from restaurants and auto shops to retailers, contractors, healthcare providers, and more.

If your business has been operating for at least 6 months, brings in $25,000+ per month, and deposits revenue into a business bank account, you could qualify. Qualification requirements differ between financing options, however.

You don’t need perfect credit or a complex business plan. We evaluate real financial activity.

What should I have ready before applying for a small business loan in San Francisco?

To apply, you’ll usually need your basic business and contact information and a few details about your monthly revenue and time in business. You will also need 3-4 months of business bank statements.

The application takes minutes, and you can submit everything online. Once received, we’ll review your information and reach out with any next steps.

If anything’s missing, our team will guide you through it.

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*Some products are made available through Credibly’s network of external funding partners
**Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates are available to merchants with excellent credit and financial strength.