Take on new projects, upgrade equipment, or expand your team with flexible funding built around your business goals. With long-term financing, you can move forward with confidence.
Fast application process
Apply online in minutes or call (844) 501-8662 and select option 1 to speak with a small business loan expert.
Quick decisions
We assess your business performance and provide long-term options tailored to your needs.
Funds when you need them
Once approved, funds can be delivered in as soon as 4 hours. You’ll also get full access to your account and automated remittance tools.
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 or confusion
Find out what you qualify for in just minutes. If approved, your funding could be ready the same day.
Backed by real numbers
More than 50,000 businesses nationwide have secured over $2.5 billion through Credibly. With a 4.8 rating on Trustpilot, we’re proud to deliver fast, reliable support business owners can count on.
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 a long-term business loan?
You can find long-term financing through banks, credit unions, and online lenders. Banks often take weeks to process applications and expect higher credit scores.
Online platforms are faster, with more flexible approval requirements. If you need funding quickly or don’t meet traditional standards, they’re a strong option. Most term loans run three years or longer.
What can I use a long-term loan for?
Long-term loans are typically open-ended, meaning you decide how to put the funds to work. You might renovate your space, hire new staff, or invest in equipment.
Some loans are purpose-specific. For example, real estate or vehicle financing may be tied to the asset. Always confirm the loan’s use rules before signing.
Which is better: long-term or short-term funding?
Short-term loans are great for covering seasonal dips, emergency expenses, or fast fixes. They’re quicker to secure but usually come with higher rates.
Long-term funding is better for projects with bigger returns and longer timelines. You’ll get lower rates and more time to repay. Need help choosing? Talk to a Credibly advisor to weigh your options.
How do I qualify for long-term financing?
Lenders want to see steady revenue, strong cash flow, and solid credit. You’ll likely need to provide tax records, bank statements, and financial reports.
If your business is performing well, you’ll have a better shot at approval and more favorable terms. Read every part of the offer before accepting to ensure it fits your budget.
Why is growth important for a business?
If you're maxed out, you're missing opportunities. Expanding lets you reach more customers, boost revenue, and stay ahead of competitors.
Maybe you’re booked solid or outgrowing your current space. That means it’s time to level up with more equipment, staff, or locations. Long-term capital gives you the financial push to make that leap.
What are other ways to fund business growth?
You could explore SBA programs, attract investors, or try crowdfunding. These can work, but often take time and require more effort up front.
Lines of credit and business cards are an option, though the interest adds up quickly. For structured, predictable support, long-term loans offer more stability and control.
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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.
