Looking to grow, upgrade, or stabilize operations? Long-term financing gives your business the support it needs to move forward with purpose.
Apply in minutes
Start applying online or call (844) 501-8662 and select option 1 to speak directly with a small business funding expert.
Quick decision process
We review your business metrics and connect you with financing options designed to support long-term growth.
Fast funding, zero friction
If approved, your funds can be deposited in just 4 hours. Your account is fully managed online, with automated remittance to keep things simple.
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.
Answers without the wait
No confusion. No delays. Find out what you qualify for in minutes and get funds delivered fast.
Proven performance
Credibly has funded over $2.5 billion for more than 50,000 small businesses. With a 4.8-star Trustpilot rating, we help business owners move quickly and grow with confidence.
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 |
Can I pay off my long-term loan in Miami early?
In many cases, yes. Some long-term loans in Miami allow early remittance with no penalty, while others may include prepayment fees, especially in the first few years.
Paying early can save on interest, but it's important to run the numbers first. Our team will walk you through different scenarios so you can make the right call for your business and your budget.
What is considered a long-term business loan in Miami?
A long-term business loan in Miami is financing repaid over a period of three years or more. Some terms can go as long as 10 years or even longer depending on the financier and the size of the loan.
Through our partners, Credibly offers long-term loans ranging from $50,000 to $10 million, with terms up to 120 months and predictable monthly remittances.
These loans are ideal for major purchases, expansions, or business investments that need time to generate ROI.
How do long-term loans in Miami compare to short-term loans?
Long-term loans in Miami offer bigger funding amounts, lower monthly remittances, and extended payment periods, which is ideal for major investments with long ROI timelines.
Short-term loans move faster, but usually come with higher, more frequent remittances and shorter payoff windows.
Choosing the right option depends on your cash flow, credit, and growth plans.
What’s the remittance schedule like for long-term loans in Miami?
Credibly’s long-term loans in Miami come with monthly remittances, which help keep your cash flow stable and predictable.
Compared to daily or weekly remittances found in short-term products, monthly remittances offer more breathing room, especially for businesses managing larger investments or seasonal revenue cycles.
You’ll know your remittance amount upfront and can plan accordingly.
Can I get a long-term loan in Miami if I’ve already received other business funding?
It depends. If your cash flow and credit still support the additional debt, you can qualify for a long-term loan even if you’ve already used other financing.
In fact, many businesses use long-term loans in Miami to pay off shorter-term debt, lower their remittance burden, or fund a separate investment.
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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.
