--- title: Small Business Loans & Financing | Credibly & HelloRates description: Whether you need working capital or additional cashflow, Credibly and HelloRates can match you with the best small business financing options. --- ![Credibly Vetted(HelloRates) Cobranded Logo](https://partner.credibly.com/hs-fs/hubfs/Credibly%20Vetted(HelloRates)%20Cobranded%20Logo.png?width=2000&name=Credibly%20Vetted(HelloRates)%20Cobranded%20Logo.png) ### Get business financing in as little as 4 hours. **Find the right small business financing for you:** - Financing up to $600,000 - Get approved in as little as 2 hours and funded in as little as 4 hours from approval. - Pre-qualify online **What you'll generally need to qualify:** - 6+ months time in business - 500+ credit score - $15K minimum monthly bank deposits - 3-4 most recent months' business bank statements [Trustpilot](https://www.trustpilot.com/review/credibly.com)   ### Our Products\* ![](https://partner.credibly.com/hubfs/Bobble_Cafe.png) **Merchant Cash Advance** Merchant cash advances are perfect for businesses with seasonal or fluctuating revenue. We don’t just look at your P&L sheet, we look at your business potential. **Working Capital Loan** Working capital loans are ideal for business owners with steady revenue who need flexible, short-term funding without the hassle. **Business Line of Credit** Apply once and get access to a revolving line of credit you can use as needed. You’ll pay interest only on the amount you actually use. **More financing options** We’re invested in your success as a small business owner. Let us know your goals and we'll help customize a package that fits your needs. Authorization to Contact You By Phone: You authorize us, and our affiliates, agents, and independent contractors, to contact you at the telephone number you provide to us using any means of communication, including, but not limited to, calls or text messages to mobile, cellular, wireless or similar devices and calls or text messages using an automated telephone dialing system and/or artificial voices or prerecorded messages, even if you incur charges for receiving such communications. Authorization to Contact You By Other Means: You also agree that we and our affiliates, agents and independent contractors may contact you by mail, e-mail and facsimile. Certain products may not be available in all states. Some products are made available through Credibly’s network of external funding partners Certain business loan products are made available through Retail Capital LLC, a licensed California Finance Lender. ![Credibly_Icon-1](https://partner.credibly.com/hubfs/Credibly_Icon-1.png) © Copyright 2022 - Credibly - [Privacy Policy](https://www.credibly.com/privacy/) - [Terms of Use](https://www.credibly.com/terms/) - [Definitions](https://www.credibly.com/disclaimers/) - [FAQs](https://www.credibly.com/resources/faq/)