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Long-Term Business Loans*

This flexible and convenient financing option allows you to make the most of your small business opportunities. Unlock your success with small business lending that provides tailored solutions just for you! Get started on achieving your goals today.

How to Apply for Long-Term Small Business Loans

Step 1
Pre-Qualify Online

Click “Get Started”, fill out the form in minutes, and pre-qualify for long-term business loans.

Step 2
Approval In As Little As 4 Hours

Get approved for long-term business loans in as little as 4 hours and speak to our financing experts about the ideal financing for your business.

Step 3
Get Funds In Your Account

Receive the business long-term loan amount in your account in as fast as 24 hours after approval and start using them for your business.

Long-Term Business Expansion Loan: Advantages and Disadvantages

Due to favorable interest rates and long repayment terms, long-term loans are a great option for financing expansion projects. However, short-term funding may be a better option for cash flow stabilization and growth initiatives with a shorter project timeline.

Long Term Loans Pros
  • With longer, fixed-terms, large loan amounts, and specified interest rates, our long-term loans are ideal for tackling growth initiatives.
  • Unlike a bank loan, which could take months, this product allows you to take action when the opportunity arises.
  • Automatic weekly payments are more favorable repayment terms than daily payments, and allow you to focus on growth.
  • Not sure how to get a long-term loan? Our online application simplifies the process so you don’t have to provide all of the paperwork necessary for other long-term loans.
Long Term Loans Cons
  • Keeping up with fixed payments can be difficult for businesses that experience seasonality or fluctuating revenues.
  • Long-term financing is better suited for long-term initiatives rather than quick wins and cash flow stabilization. Small business owners seeking cash flow stabilization would be better off with short-term financing.
  • Long-term loans can be more difficult to qualify for than other financing products as it relates to annual revenue and business credit.

Why Credibly?

Get Clear Answers Fast

Unlike the big banks, we don’t talk in riddles or take weeks to get back to you. Find out in minutes which fast business loan you’re eligible for and get funds in your account in as little as 48 hours.

Trusted by 30,000+ Businesses

With $1.5 billion funded to small businesses across the U.S., and a 4.8 out 5 rating on Trustpilot, Credibly is the go-to financing partner for you.

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* Some products are made available through Credibly’s network of external funding partners.

** Working Capital Loans and Merchant Cash Advances are quoted as a factor. Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates available to merchants with excellent credit and financial strength.