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You've built the business.We help it thrive.

Credible Lending funds U.S. small businesses from $10,000 to $5 million through lines of credit, term loans and equipment financing. Apply with a soft credit check, get a decision the same day, and work with one advisor the whole way.

  • No hard credit inquiry
  • Decisions the same day
  • Funding up to $5 million
  • U.S.-based advisors
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Funding range across lines of credit, term loans and equipment financing
$10K–$5MFunding range across lines of credit, term loans and equipment financing
Decisions on complete applications, most within 4–6 hours
Same dayDecisions on complete applications, most within 4–6 hours
Applying never affects your credit score
Soft pullApplying never affects your credit score
Line of credit draws that land in seconds, weekends included
24/7Line of credit draws that land in seconds, weekends included

Funding

The right kind of capital for what's next

Revolving credit for the everyday, a lump sum for the big plan, or financing that pays for the equipment it buys. Your advisor helps you pick, or combine.

Business line of credit

Revolving credit from $10K to $5M. Draw what you need, pay interest only on what you use, and your limit restores as you repay. No draw fees.

Amount
$10K – $5M
Term
Up to 24 months
Speed
Draws land in seconds, 24/7
Payments
Weekly

Businesses use it to

  • Bridge slow receivables
  • Buy inventory ahead of a season
  • Cover payroll during a slow month
  • Take a supplier's early-pay discount
About business line of creditApply

How it works

From application to funded, usually within a day

Three steps, one advisor, and no surprises about cost.

  1. Step 1 of 3

    Apply in minutes

    Tell us about your business, how much you need and what it's for. Applying uses a soft credit check, so your score isn't affected.

    • About 3 minutes online
    • Soft credit check only
    • Bank statements, not a stack of paperwork

  2. Step 2 of 3

    Review real offers, the same day

    Your U.S.-based advisor reviews the whole business, not just a score, and walks you through options with the full cost shown in dollars.

    • Decisions in 4–6 hours
    • Every cost shown up front
    • One advisor, start to finish

  3. Step 3 of 3

    Get funded and keep going

    Accept the offer that fits and funds land in your account, often within 24 hours. Lines of credit draw in seconds after that, 24/7.

    • Funding within 24 hours
    • Line of credit draws in seconds
    • Payments reported to business bureaus

Qualifying

Let's see if we match

Most of our funding starts with three things. Close on one of them? Apply anyway. Advisors look at the whole business.

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Read the full qualification guide
My personal credit is
$40,000

You could qualify for around

$60,000

Check my real offer

Illustrative estimate, not an offer. Actual amounts depend on underwriting.

Industries

Underwriting that understands how you earn

We fund businesses across 40+ industries, and read seasonal revenue, slow receivables and equipment-heavy balance sheets for what they are.

All industries

A real advisor, in the U.S., who knows your file

Online speed without the call-center runaround. The person who reviews your application is the person you call when you need an increase next year.

  • The full cost, in dollars

    Every offer shows total cost of capital before you accept. No draw fees on lines of credit.

  • Credit that builds credit

    We report on-time payments to the business bureaus, so today's funding makes tomorrow's easier.

  • Room to grow

    Limit increases are reviewed on your payment history, without starting a new application.

Questions, answered

Something else on your mind? Ask an advisor.

What do I need to qualify?
Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a personal credit score of 625 or higher. If you're close on any of these, apply anyway: your advisor reviews the whole business, not just a checklist.
Will applying affect my credit score?
No. Applying uses a soft credit inquiry, which doesn't affect your score. A hard inquiry only happens if you choose to accept an offer.
How fast can I get funded?
Same-day approvals are common, with most decisions arriving within four to six hours of a complete application. Term loans and working capital typically fund within 24 hours of signing. Once your line of credit is open, draws reach your account in seconds, 24/7.
How much can I borrow?
From $10,000 to $5,000,000, depending on the product, your revenue, cash flow, credit and time in business. Lines of credit can increase over time based on your payment history.
What does it cost?
Pricing depends on your credit, time in business, revenue and cash flow. Every offer shows the total cost of capital in dollars before you accept. Lines of credit carry no draw fees, only a flat monthly maintenance fee.
Who will I be working with?
A dedicated U.S.-based advisor who stays with you from application to funding, and afterwards for increases, renewals or new products.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor