Need capital fast? A merchant cash advance in Chicago gives you quick funding based on your business revenue—no collateral, no long waits, no hassle.
Merchant cash advances in Chicago that work for you
Lightning-fast access
Apply in just a few clicks. You could be approved in just 2 hours and have funds in your account in as fast as 4 hours.
Use it where it makes the most impact
From staffing to supplies to marketing—you choose how and when to put your capital to work.
Revenue-based remittances
Remittances scale with your sales. If business slows down, your remittances adjust.
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
Apply online in minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely 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 loan 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.
What our customers say about our merchant cash advance services in Chicago
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 |
What are the pros and cons of merchant cash advances in Chicago compared to business loans?
Merchant cash advances in Chicago offer several advantages compared to traditional business loans. Providers require less paperwork and can approve funding quickly, with remittances tied to your sales. This flexibility helps businesses with seasonal revenue or inconsistent cash flow.
However, MCAs carry some downsides. Daily or weekly remittances can strain budgets, so review your cash flow and weigh the benefits against potential costs carefully.
Can merchant cash advances in Chicago help build business credit?
No. Remittances on MCAs in Chicago typically do not get reported to credit bureaus.
Since MCAs are technically a sale of future revenue, not a loan, the activity usually doesn’t show up on your credit profile. That means your business credit score won't benefit from making remittances on time.
While you may qualify for an MCA with lower credit, it won’t help you build credit history.
How do MCA in Chicago fees compare to business loans?
MCA in Chicago fees typically exceed the cost of bank or online loans due to their flexibility.
Although MCAs offer rapid approval and flexible remittance tied to sales, the fees can mean they should be a short‑term tool only.
Always compare the costs with other options before choosing. Understanding this helps you avoid high financing costs that reduce profitability.
What is a merchant cash advance in Chicago and how does it differ from a traditional loan?
A merchant cash advance in Chicago is not a loan. It is a lump sum of working capital you get in exchange for a portion of your future card sales.
When funds hit your account, the financing provider automatically withdraws a small percentage of each card sale until you remit the full amount. There is no variable interest; instead, a set factor rate determines the total cost upfront.
This structure gives you fast funding and flexible remittances while preserving ownership. It works well for short‑term needs and helps you seize opportunities quickly without delays.
Can MCAs in Chicago be used to grow your business smartly?
Yes, MCAs in Chicago can help fund strategic growth when applied wisely.
Fast access to working capital lets you seize seasonal inventory deals, run marketing campaigns, or hire temporary staff to capture revenue spikes .
If your cash flow is seasonal or tied to short-term opportunities, the flexible, sales-based remittance matched with fast funding supports quick ROI.
However, because fees can be high, you should use MCAs only when expected sales growth exceeds the cost.
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*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
