Running a business in San Francisco means staying ready to act fast. A business line of credit gives you access to working capital when you need it without tying up funds you’re not using.
Only use what you need
Draw funds when it fits your needs. Pay interest only on the amount you access.
Apply online fast
Complete a short digital application. Once approved, funds land directly in your account.
Real support that moves with you
Work with a dedicated team that keeps the process simple and clear from day one.
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
Unlike a term loan, a business line of credit allows you to only pay interest on the amount you actually use.
For example, if a business owner has a credit limit of $150,000 but only uses $40,000, they only have to pay interest on the $40,000 draw.
Once the amount has been repaid ($40,000), the business owner can draw additional funds up to the amount of their credit limit ($150,000).
While requirements may vary, you will need:
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.”
Still looking for the right fit? Check out 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 |
Can I use my line of credit in San Francisco during an emergency?
Absolutely, that’s one of the best reasons to have one in place.
A business line of credit in San Francisco acts like a financial safety net, giving you access to capital when an unexpected cost hits.
You don’t need to reapply or wait days for approval. With Credibly, you can draw funds within hours after approval, and in some cases, even faster.
How much can I get approved for with a business line of credit in San Francisco?
That depends on your credit, revenue, and business profile. Most business lines of credit range from $5,000 to $500,000.
Credibly can help you access credit lines up to $300,000 through our network of partners.
Financiers will assess your risk level based on financial history, cash flow, and how long you’ve been in business.
Don’t know where you stand? We’ll help you evaluate what you qualify for.
Is it hard to get a business line of credit in San Francisco?
At Credibly, approval is possible with a credit score of 700, $20k+ in average monthly deposits and 6+ months in business.
We help business owners who demonstrate solid revenue and cash flow get flexible funding without all the red tape. If you’re still building credit or revenue, we’ll walk you through options that meet you where you are.
Can I use a line of credit in San Francisco to cover payroll?
Yes, many business owners use lines of credit in San Francisco to cover payroll during seasonal slowdowns, delayed receivables, or growth spurts.
Since it’s revolving, you can borrow what you need, repay it, and reuse it, without reapplying every time. That means you never have to choose between meeting payroll or pausing operations.
Can I take cash out of a business line of credit in San Francisco?
Yes, you can access cash from your business line of credit in San Francisco whenever you need it, up to your approved limit. Think of it like a revolving credit account: you draw funds, use them how you want, repay, and draw again.
It’s flexible and fast, which is ideal for covering short-term needs or keeping operations smooth.
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*Some products are made available through Credibly’s network of external funding partners.
**$20K+ avg. deposits for a three-month average and the most recent month.
