Keep your business moving forward with financing that’s built to support your next big step. Whether you’re expanding or improving operations, this is capital that works on your timeline.
Quick start
Start online in just a few minutes or connect with a business funding expert at (844) 501-8662 and select option 1.
Fast review
We evaluate your business health and match you with long-term financing options tailored to your needs.
Access your funds
If approved, funds can hit your account in 4 hours. Use your online dashboard to track remittance and manage everything in one place.
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.
No delays. No confusion.
Get a clear answer fast and access capital within hours. We skip the red tape and deliver real solutions, fast.
Nationwide support, proven results
Credibly has helped more than 50,000 small businesses secure over $2.5 billion in funding. With a 4.8-star rating on Trustpilot, we’re a partner business owners trust to move quickly and deliver real value.
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 financing?
You can look to banks, credit unions, or online lenders. While traditional institutions may offer long-term loans, they often come with long wait times and high approval requirements.
Online options tend to be faster and more accessible for businesses that need funding quickly or may not meet strict bank standards. Loans that last several years are commonly labeled as term loans.
What can I do with a long-term business loan?
You can use long-term funds for a wide range of business investments. That could mean opening a new location, upgrading your technology, or expanding your team.
In some cases, the lender may restrict how the money is used. For example, equipment financing or commercial real estate funding typically comes with specific use terms. Always read your agreement before accepting the offer.
Should I choose a short-term or long-term loan?
The answer depends on how you plan to use the money. Short-term loans are great for urgent needs like covering temporary cash gaps or purchasing inventory. They’re usually easier to get but cost more over time.
Long-term loans give you more breathing room and lower costs. They’re ideal for big projects like expansion, renovations, or long-range growth strategies. Not sure what fits best? Talk to a Credibly advisor for guidance.
What does it take to qualify for long-term funding?
Lenders will evaluate your credit score, business revenue, and financial performance. Be ready to share documents like tax returns, profit and loss statements, and bank account history.
If your business shows strong cash flow and consistent earnings, your approval chances are better. Review your full offer carefully to make sure it lines up with your budget and business plans.
Why should I think about expanding my business?
Growth is how you reach new markets, attract more customers, and increase revenue. If your business is already running at full capacity, you may be missing out on bigger opportunities.
To serve more people, you’ll need to invest in space, equipment, or staff. That kind of upgrade takes money up front. Long-term financing gives you the cash to grow without disrupting daily operations.
What other funding options can I explore for growth?
You might look into SBA loans, investor partnerships, or even crowdfunding. These alternatives can work, but they often come with longer timelines or less control.
Some business owners also use credit cards or revolving lines of credit, but those options can carry higher interest costs. If you're looking for a stable path forward, a long-term loan gives you structure and staying power.
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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.
