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From application to funded, usually within a day

Getting funded with Credible Lending takes three steps. Apply online in about three minutes with a soft credit check, review offers with your advisor the same day, then accept and receive funds, often within 24 hours. Lines of credit draw in seconds after that.

Start my application

  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

What does a typical day look like?

  1. Minute 0

    You apply

    Seven questions online. Soft credit check only.

  2. Within hours

    An advisor calls

    They confirm details and ask for recent bank statements.

  3. Same day

    You review offers

    Amounts, terms and total cost of capital, in dollars.

  4. Within 24 hours

    Funds arrive

    Deposited to your business account after you sign.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

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