Small business loans and financing up to $400,000

Get financing in as little as 24 hours.

Empower your New York business with the funds it needs to flourish.

Fast funding, available in as little as 24 hours.
Apply in minutes, receive approval for funding in as little as 4 hours, and access your capital as early as the next business day.

Financing for New York businesses.
Whether you need a line of credit or a substantial long-term loan, we offer the financial solutions to support your cash flow.

We look beyond credit scores.
We understand that your business’s value isn’t solely in its credit score. Our comprehensive application process evaluates the full scope of your business’ performance.

Speak to a financing expert

Approval

as fast as 2 hours

Funding

as fast as 4 hours

$2.5+

Billion in financing

50,000+

Small businesses financed

Our business loans and financing in New York*

Working capital loans

Accelerate business operations

Fuel business growth with up to $400,000 with the convenience of funds being available as fast as 24 hours post-approval.

We’ve supported 30,000+ businesses. We’re ready to help you too.
Don’t let time kill your momentum; get the working capital you need to keep your business thriving, fast.

Streamlined application, rapid approval

Begin with a simple form and move to potential approval in as fast as just 4 hours.

Repayment to suit your pace

Choose from daily or weekly automatic repayments for loan terms ranging from 6 to 15 months, designed to align with your business’s cash flow.

Tailor your loan repayments to the rhythm of your revenue.
Enjoy the freedom to choose how and when you repay.

Merchant cash advance

Empower your business with flexible funding

Access up to $400,000 with a merchant cash advance (MCA), designed for businesses with fluctuating revenue.

Unlock immediate capital with and make sure your business never stalls due to funding delays.
Complete an online application in 10 minutes, get approved in as little as 4 hours, and access your capital within a single day.
Don’t let credit scores slow you down; with our MCA, your business’ potential is what truly matters.

Advances to match your business trajectory

Our MCA offers up to $400,000 in flexible funding, with terms of 3 to 15 months, ensuring you have the capital to thrive.

Gain access to capital and support your business’ evolving needs.
Factor rates as low as 1.11**

Automatic remittances

Benefit from a remittance structure that adapts to your business’ performance with automatic remittances tied to daily sales.

Get an advance with a lower credit score.
Get funding without giving up assets.

Long term loans

Unlock long-term growth

Secure up to $250,000 in tailored financing to leverage substantial growth opportunities for your small business.

With terms of 18 or 24 months and manageable weekly payments, you can invest confidently in your business’s future.
Automatic payments—it’s really that simple.

Streamlined path to expansion

Long-term loans are designed to provide the capital you need for new locations, equipment upgrades, or product launches, with the added advantage of maintaining a healthy cash flow.

Propel your business forward by seizing opportunities for substantial growth without compromising your financial health.
Secure the capital for essential upgrades or new ventures with a long-term loan. Never miss a business beat.

Invest in your vision

Fast funding and lower interest rates over an extended repayment period make it easier to manage your finances and focus on growth.

Leverage lower interest rates and extended repayment terms to invest in your long-term business goals with financial ease.
Navigate your business’ future with an efficient loan process that lets you concentrate on growth, not just your next payment.

Business line of credit

Optimize your cash flow with a business line of credit

Gain the financial agility your business requires with a revolving line of credit. Apply now and enjoy the freedom to access up to $300,000, paying interest only on what you use.

Apply today to unlock a revolving credit line. Have the capital to meet your business needs without incurring costs on unused funds.
You’re in control – pay interest only on the amount you draw, not your total credit limit.
After repayment, your credit becomes fully available again, ready for any business opportunity or need that arises.

Tailored financial control

Manage cash flow efficiently, tackle unexpected costs, and capitalize on new opportunities with ease.

Manage your business’s financial ebb and flow with flexible, accessible funding.
Capitalize on new ventures at a moment’s notice with the ability to draw from your credit line.

The smart alternative to traditional loans

Discover the strategic advantage of a business line of credit over a term loan, with the flexibility to draw funds as needed.

Draw funds on demand instead of being tied to the lump-sum constraints of traditional term loans.
Embrace a financing option that scales with your business needs.

Equipment financing

Get the equipment you need, fast

Apply now to secure up to $10 million for your small business equipment. If approved, you’ll have access to funding in as little as 24 hours.

Unlock the potential to receive from $10,000 to $10 million in financing, catering to all scales of equipment acquisition for your business.
With the option for same-day funding, apply now to eliminate operational delays.
Start with a simple online pre-qualification and move swiftly through our efficient process to secure the capital you need.

Right-fit financing

With flexible terms and competitive rates, equipment financing aligns with your budget.

Secure the equipment your business needs to stay competitive with our tailored financing options.
With competitive rates and flexible terms, equipment loans are tailored to fit your business’s unique needs, from tech upgrades to heavy machinery.

Rapid response for growth

Leverage our swift approval process and same-day funding to quickly equip your business with the tools it needs to outperform and outlast in your industry.

Stay ahead of the curve by promptly securing essential equipment.
Access up to $10 million in financing to empower your business with the latest equipment.
Experience a straightforward online application process.

How can I apply for a business loan in New York?

What business owners have to say.

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

What customers say about our small business loans

“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.”

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Christopher Stealey
Merchant Cash Advance

James
All-one Home Improvement & Reno

Eckel Pool
Small Business Owner

Business Loans New York

+1 888-664-1444

270 Madison Ave Suite 1406, New York, NY 10016, United States

What are the pros and cons of a New York business loan?

Unlock rapid funding and flexible terms with Credibly’s business loans in New York, but be mindful of higher rates for unsecured loans, the impact of missed payments, and daily repayment requirements on your cash flow.

Pros

Get approved and see funds in your account in as little as 24 hours.
Access extended loan terms and lower interest rates for greater financial flexibility.
Invest in your business with little to zero collateral needed.
Enjoy factor rates as low as 1.1.

Cons

Unsecured business loans might come with higher interest rates.
Failing to meet payment deadlines can negatively impact your credit.
Requirements for daily remittances could potentially disrupt your business’s cash flow.

More about our other loans and financing options*

Business line of credit

Borrow exactly what your business requires and only pay for what you use.

Merchant cash advance

Manage cash flow challenges with financing designed for affordable remittance based on what you can afford.

Equipment financing

Get the equipment your business needs with some of the best loan rates on the market today.

All financing options

Not sure you see what you need? Check out all of Credibly’s small business financing options.

Excelling in trust and reliability: Your premier partner in financial success.

We take pride in being the best.
Credibly is a reliable partner for your financial needs with a 4.8 out of 5 rating on TrustPilot.

Committed to excellence for small businesses.
We’ve helped more than 30,000 businesses achieve their goals, and we’re ready to help you.

FAQs about business loans and financing in New York

Why should I choose Credibly for my business loan?

We stand out with our fast funding process, offering up to $400,000. Get funds in your account in as fast as 24 hours.

Our streamlined application process allows for a brief 10-minute session to qualify, and you could receive approval in as few as 4 hours.

What factors does Credibly consider when evaluating my loan application?

Our application process evaluates the full scope of your business, considering factors like your most cash flow, time in business and more.

This holistic approach ensures a fair assessment, giving your business the best chance to secure the funding it needs.

Can I apply for a business loan if my business is new or has limited credit history?

Credibly can only service businesses with a minimum of six months and specific revenue benchmarks. However, we understand that new and growing businesses also need support.

If your business is newer or has a limited credit history, we encourage you to consider alternative financing options such as securing a business credit card or exploring personal loan opportunities.

Empower your business now!

Access up to $400,000 in financing and see funds in your account in as little as 24 hours.

* 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 available to merchants with excellent credit and financial strength.