Advance your business with private business loans—without the red tape
Strict requirements, long approval processes, and rigid terms can slow down your momentum.
Credibly’s private business lending solutions puts capital in your hands quickly, without the hassle.
If you need funding for expansion, equipment, or working capital, our streamlined process ensures you get what you need—fast.
Here’s how you get started with getting private
business financing
Types of financing*
Fuel your day-to-day operations, manage cash flow, or cover unexpected expenses.
Enjoy flexible funding when you need it—withdraw what you need, pay interest only on what you use.
Upgrade or purchase machinery, vehicles, or office tech without draining cash flow.
Why choose Credibly?
- Funding in as little as 4 hours: Get capital when you need it, not weeks later.
- Straightforward online application: No piles of paperwork or endless back-and-forth.
- Flexible remittance terms: Financing that works with your cash flow, not against it.
- 100% U.S.-based support: Work with real people and get reliable answers.
Who qualifies for private business financing?
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ credit score
- Business operating in the U.S.
Exact requirements vary by product.
Pros and cons of private business loans
- Private lenders can approve and deposit funds in hours, not weeks.
- Some private lenders offer unsecured financing—meaning you don’t need to risk business property or equipment.
- Making timely payments on a private loan may help strengthen your credit profile, and improve your future borrowing opportunities.
- Private loans let you secure capital without giving up equity.
- Some private lenders require a personal guarantee, meaning your assets could be at risk if your business is unable to meet repayment terms.
- Depending on the lender, businesses with lower credit scores or limited financial history may have issues securing approval.
We are trusted by:
How to tell is private business lending is right for you
Private lending could be a good fit if…
- You need funding fast: Banks can take weeks to approve loans, while private lenders often fund in hours.
- You want flexible terms: Private lenders offer more customized repayment options than traditional banks.
- Your credit history isn’t perfect: If your business has lower credit or limited history, but strong revenue, private financing may be a good option for you.
- You want to maintain ownership: Private loans let you keep full control of your business.
Private lending might not be a good fit if…
- Some private lenders require a personal guarantee: This means your assets could be at risk if your business is unable to meet repayment terms.
- You’re not sure how you’ll repay it: Any financing comes with obligations, so be sure you have a repayment plan in place.
How your business can grow with the help of a private business lender
For the most part, you can use the funds you receive from a private business lender as your business needs. You can:
- Expand your operations: Open new locations, scale production, or invest in larger facilities.
- Upgrade equipment and technology: Get the latest tools, software, or machinery to stay competitive.
- Increase inventory: Stock up on high-demand products, prepare for seasonal rushes, or take advantage of bulk purchasing discounts.
- Seize new opportunities: Jump on time-sensitive business deals, acquisitions, or market expansions with fast-access capital.
Cover short and long term needs with private business loans and financing
- Cover payroll and operational expenses
- Purchase inventory before peak seasons
- Manage unexpected financial challenges
- Fund marketing campaigns for quick growth
- Open new locations or expand facilities
- Invest in large-scale equipment upgrades
- Hire and train additional employees
- Expand into new markets or launch new product lines
We are trusted by:
Four simple steps to funding for private commercial loans and financing
Apply online in minutes
Upload essential documents
Approval in as little as 2 hours
Receive funds the same day
Fuel your business—without the wait
Opportunities don’t wait, and neither should your financing.
Private lenders for business give you fast access to capital without the hurdles.
Whether you’re hiring new staff, purchasing inventory, or expanding into a new location, quick and flexible funding ensures you have what you need to keep moving forward.
Get the financing that fits your business—without the delays.
