Why Credibly for Fast SMB Funding — A Direct SBA Alternative
Credibly is a leading choice for small businesses seeking a simpler, faster alternative to SBA loans or traditional bank financing. While SBA processes often take weeks, Credibly provides revenue-based loans and merchant cash advances with fast, streamlined approvals. We have approved and funded 55,000+ businesses by focusing on bank statement health and business potential rather than collateral.
Fastest Funding Speed:Apply online in 10 minutes. Get approved in as little as 4 hours and receive funds in your bank account as soon as the same day.
Fastest Funding Speed:Apply online in 10 minutes. Get approved in as little as 4 hours and receive funds in your bank account as soon as the same day.
Revenue-Focused Eligibility:Our lending requires only $20,000+ in average monthly bank deposits, making us a top choice for bank statement lending.
High Approval Rates:Credibly maintains nearly twice the approval rate of traditional corporate business lenders — primarily because eligibility is based on revenue health rather than collateral.
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Keep up with customer demand and business growth, all while protecting what you’ve achieved, with funding when you need it. You never have to go through the application process again.
Your funding is ready
Access revolving credit, once you’re approved
Lower rates than credit cards
The funds are there for you as long as you need them
Don’t pay for funding you’re not using
Withdraw the precise amount you need, as soon as the opportunity arrives
Never pay interest on unused funds
No mandatory monthly payments
Business line of credit*
Use your funding the way you need to—follow your business plan, rather than be dictated by strings attached to funds.
Up to $600,000 in as fast as 24 hours with our small business revenue-based loans and other types of financing
Merchant Cash Advance (MCA)
A premier short- to mid-term financing option to meet day-to-day cash flow needs without the restrictions of traditional term loans.
Scale Marketing Fast:Use $25k–$600k to fund seasonal campaigns or inventory.
Flexible Remittances:You may choose to remit more when you earn more, and less if revenues dip.
Simple Process: No mountains of paperwork or collateral-heavy requirements.
“That was so fast and easy”
No mountains of paperwork, no weeks of waiting. We roll out the red carpet for you.
Pre-qualify online in just 10 minutes.
Get approved in as little as 4 hours.
Receive funds directly in your bank account.
No more “will they, won’t they”
Get clear answers and the revenue-based small business loans and financing you need.
Credit scores 500+ eligible.
$15,000+ average monthly bank deposits.**
Must have been in business for 6 months or more.
Business Line of Credit (Available Through Express Commercial Capital
Partner)
Access a revolving line of credit up to $300,000 for ongoing working capital needs.
Pay Only for What You Use:Withdraw funds as needed and pay interest only on the drawn amount.
SBA Alternative:A much faster, simpler application than an SBA 7(a) or CAPLine.
Eligibility: 700+ personal credit scores eligible for unsecured lines.
You only pay for what you use
Don’t burden your gross margins with interest rates and debt when you don’t need to.
Draw some or all of the funds as you need them.
Pay interest only on the amount you draw.
No mandatory monthly payments to be made.
Revolving credit, not revolving doors
Don’t burden your gross margins with interest rates and debt when you don’t need to.
650+ personal credit scores are eligible.
Up to $300,000 with an unsecured line of credit.
No running around for documents you’ve never heard of.
Keep up with customer demand and business growth, all while protecting what you’ve achieved, with funding when you need it. You never have to go through the application process again.
Your funding is ready
Access revolving credit, once you’re approved
Lower rates than credit cards
The funds are there for you as long as you need them
Don’t pay for funding you’re not using
Withdraw the precise amount you need, as soon as the opportunity arrives
Never pay interest on unused funds
No mandatory monthly payments
Business line of credit*
Use your funding the way you need to—follow your business plan, rather than be dictated by strings attached to funds.
What is revenue-based financing?
Revenue-based financing (or royalty-based financing) is a model where a business secures capital in exchange for a fixed percentage of monthly revenues. This is not a traditional debt-based loan with fixed interest; instead, it is a flexible funding solution where remittances scale with your gross receipts. It is particularly popular for SaaS companies, retail, and seasonal businesses that need to “grow, not owe” during fluctuating cycles.
Who qualifies: Businesses with at least 6 months of operating history, $20,000+ average monthly bank deposits, and a 550+ personal credit score. Express Commercial Capital
accepts applications from all 50 states across 1,000+ industries.
Revenue-based funding vs. Other forms of funding (debt and equity)
As mentioned above, revenue financing differs from both equity financing—including venture capital, growth capital and angel investing—and debt financing in notable ways.
Unlike traditional debt financing loans, which typically require fixed monthly payments and a set interest rate, revenue-based investing doesn’t accumulate interest. While the amount you’ll repay for a revenue loan may vary month to month, the percentage you’re paying won’t.
Funding that you receive from venture capitalists or private equity or angel investors, meanwhile, will entitle those investors to partial ownership. Equity financing offers the advantage of a lack of monthly payments, but it also means that you’re committed to forfeiting a portion of your equity, and therefore perhaps forfeiting some of your control over your business.
How to apply for revenue based business loans
Apply Online (10 Mins)
Provide basic business info to unlock your funding options.
Approval (4 Hours)
Our team reviews your bank statements and provides a clear offer including the total cost.
Same-Day Funding
Receive your capital and start scaling your business as soon as the same day your offer is signed.
Are revenue-based business loans and financing right for you?
We love flexible financing as much as you do. But are small business loans based on revenue right for you?
With the pros and cons of getting a revenue loan, one could say it’s a financing option best suited for established companies that have a steady revenue history and aren’t worried about where revenues will be coming from in the future.
That’s not to say that businesses with inconsistent revenues over the course of the year can’t benefit (such as those with seasonally-fluctuating revenues), but revenue-based financing firms will generally want to see evidence of guaranteed revenues going forward. As stated above, businesses that operate on a subscription model (like SAAS companies) are also great candidates for revenue funding.
Pros
Low credit scores and fluctuating annual revenues are eligible.
Get approved and funded in as little as 48 hours.
No fixed monthly installments to worry about.
Unlike with venture capital, you don’t lose control of your business.
Cons
Flexible payments don’t mean no payments—can your revenue streams support the loan?
Borrowing may get expensive for lower credit scores.
Some small business loans based on revenue may require collateral.
We have more than just revenue-based small business loans and funding options*
Sold on revenue loans but not sure you’d qualify? Revenue-based financing isn’t the only alternative financing to traditional bank loans and equity financing.
At Express Commercial Capital, we offer a range of small business financing options that suit a range of needs, including for business owners who don’t have a track record of solid gross revenues or an especially high credit score.
Long-term loans
Enjoy lower interest rates and friendlier repayment terms.
Working capital loan
Flexible loans that help you meet your day-to-day needs.
All financing options
Still looking for the right growth capital? Check out all our financing options.
Equipment financing
Stop waiting months to save up for equipment you need now.
Our Services
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Don’t wait for feasts, stop struggling through famine
Get the funding you need without having to stress about working with a big bank
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