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Receive up to $10,000,000.00 within 24 hours


There is no a minimum credit score required!
Full access to a direct decision maker who can APPROVE you in minutes.
Same day funding options available.

Get Qualified in Minutes & Funded SAME DAY.


Talk to a direct decision maker or business financing underwriter.


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Receive free business consultation services from our vast network of Fortune 5000 CEO’s readily available to help.

Already have a funding offer? can beat it, guaranteed!

Our Guarantee: Our team will beat your rate, or receive $100 if we can’t. Not available in all states, terms and conditions apply. See terms and conditions for more information

Access to over 75 industry specific underwriters who understand your business model and what is best suited for you. Our goal is for your company to thrive. Let’s grow your business.

With our easy application process, we’ve been direct facilitators for over $12 billion in small to medium market financing nationwide. No cost or upfront fees, EVER! Let’s secure the working capital you need to reach that next level.

How it works?

1. Apply in just 15 minutes

While we offer over 27 different programs for businesses- each application process begins with a simple 1 page application. There’s no fees or obligation for a professional underwriting.

2. Compare Options

Our goal is provide as many solutions as possible to your working capital problem. Most applicants have over four different programs to choose from; depending on their needs and desires.

3. Get funded in as little as 24 hours

Once approved, we have streamlined our funding process to be as short as 1 hour. One hour separates the moment you accept the offer to funds being deposited in your account.

ADVANTAGE We Offer Alternative Lenders Most Banks
Qualification decisions in under 24 hours
Competitive Rates
Minimal Documentation
Funding in as little as 72 hours
Banking and Tax Liens Accepted
Automated Online Process
Values Cash Flow, Not just Credit Score
Qualification decisions in under 24 hours
Competitive Rates
Minimal Documentation
Funding in as little as 72 hours
Banking and Tax Liens Accepted
Automated Online Process
Values Cash Flow, Not just Credit Score

Have you been rejected by the banks or others?
We will work with you.

Fueling the American Dream

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We succeed when you succeed!

But, don’t just take our word for it…


Why choose Credible Lending?

At Credible Lending, we pride ourselves on being a reliable and comprehensive financial warehouse that caters to a wide range of business owners needs. Our goal is to do more than just provide short-term capital; we offer an array of financial solutions including lines of credit, SBA loans, employee retention programs, and credit assistance, among others.


As your one-stop-shop for business financing, we have established strong partnerships that enable us to assist our clients in various aspects. Whether your business is eligible for an equipment loan or an SBA loan, we are here to facilitate the process and help you secure the funding you need.


Our extensive experience and proven track record set us apart from the competition. We have successfully funded over $685 million to businesses year-to-date, and we’re not afraid to take on large enterprises. We believe that if you succeed, we succeed, and that’s why we always prioritize your best interests.


Choose Credible Lending for a trustworthy, efficient, and dedicated financial partner that will support your business growth and success.

How Do SBA Loans Work?

The Small Business Administration (SBA) is a government agency established to assist small businesses in obtaining financing. SBA loans offer competitive benefits similar to those provided by major banks, yet they are more accessible, making them an attractive choice for newer businesses that have not yet established credit.


It’s difficult for businesses seeking financing to find a loan with more favorable terms than an SBA loan. This broad appeal is attributed to the distinct approach the SBA employs in structuring their loan programs.

SBA Loans Are Not Funded by the SBA

The SBA serves as a mediator between your business and a lender by establishing the guidelines for loans and then guaranteeing a portion of those loans. By guaranteeing the loan, the SBA mitigates the risk of the lender, making the loan attractive even if the lendee’s business has a short track record.


You’ll work through the SBA to find a potential lender, who will then consider your request. Upon approval, you’ll secure a loan with monthly payments, fixed interest rates, and generous repayment terms. In addition, paying off the loan over time will help build your credit, making it easier to secure funding in the future.

Popular Loan Products Offered By the SBA

The SBA offers 2 popular loan products: the SBA 7(a), SBA 504 Loan, and SBA Express Loan. 

SBA 7(a) Loan

The SBA 7(a) Loan is the most flexible of the 3. You can use it to:

  • Buy land
  • Cover construction costs
  • Buy or expand an existing business
  • Refinance your existing debt
  • Buy machinery, furniture, supplies, or materials


Best of all, most businesses already meet the requirements for applying:


  • Must operate for profit
  • Must do business in the US or its territories
  • Must have reasonable owner equity to invest
  • Must use other financial resources, such as personal assets, before applying


SBA 504 Loan

The next most popular loan is the 504 Loan. It’s a little more complicated than the 7(a) loan. This loan is used to fund projects, so the SBA will want to examine the project thoroughly. When your loan is funded, the lender will initially cover 50% of your costs, and the SBA will cover 40%, leaving you 10% to fund another way. You also have to guarantee 20% of the loan.


Here are some of the uses approved for an SBA 504 loan:


  • Purchasing existing buildings
  • Purchasing land and land improvements
  • Constructing new facilities
  • Modernizing, renovating, or converting existing facilities
  • Purchasing long-term machinery


SBA Express Loan 


Finally we come to the Express Loan. SBA 7(a) loans take a long time to process due to a detailed paperwork process. Express loans are very similar to 7(a) loans except they are approved more swiftly. The loan still won’t be approved overnight, but it is much faster than the 7(a) loan approval process.





How Long Do I Need To Be In Business To Qualify?

At Credible Lending, we understand that there’s no one-size-fits-all duration for businesses to be operational before qualifying for a small business loan. That’s why we offer financing options for startups, established businesses, and everyone in between. Keep in mind that the length of time your business has been operating will impact the loans you’re eligible for.


No matter how long your business has been in operation, our 15-minute application simplifies the process of exploring your small business loan options. Our dedicated funding managers are available to guide you through the process and address any concerns, ensuring that you find the best loan to suit your needs.

How Long Will It Take To Get A Business Loan With Credible Lending?

At Credible Lending, you can expect to receive your funds as quickly as 24 hours after your loan or financing has been approved. Our online application process takes only about 15 minutes to complete, streamlining your access to financing. In comparison, a survey conducted by the Federal Reserve of New York (2013) estimated that small business applicants spend approximately 25 hours completing traditional business loan applications.


Our online financing application for small businesses is not only time-efficient but also does not impact your credit score, and comes with no fees or obligations. To begin your small business financing application with Credible Lending, visit our website and find the list of required information to get started.

What is a Business Line Of Credit?

A business line of credit from Credible Lending offers you the flexibility to access funds as needed, up to your established credit limit. Unlike traditional loans or merchant cash advances that provide a one-time lump sum, our Flex Credit functions as a “revolving credit” system. This means that as you repay your outstanding balance, your available credit is replenished, allowing you to draw additional funds whenever necessary.

How fast can i receive my funds?

Once approved, you can receive funds in just a matter of hours with Credible Lending. We offer two convenient transfer options for your convenience: ACH electronic transfers and bank wire transfers. ACH transfers are free of charge, with funds typically arriving the next business day (though it may take up to three days). On the other hand, bank wires come with a $15 fee per wire, but funds are usually accessible in your bank account on the same day.

Quickly Compare Loan Offers from Multiple Options

Applying is free and won’t impact your credit

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