Direct Lender Connections · No Data Selling

Business Funding
From Credible Lenders

Apply once and get matched directly with vetted lenders for lines of credit, term loans, SBA financing, and commercial real estate — with transparent pricing and no hidden fees.

Get Matched Now View Programs
$5M+
Max Funding
4
Loan Programs
0%
Data Sold
How It Works

Three steps to the right lender

1

Tell us about your business

Complete a simple application with basic information about your business, revenue, and the type of financing you need.

2

Get matched to a lender

We connect you directly to a vetted lender that fits your program — no middlemen stacking fees, no selling your data to lead farms.

3

Close and receive funds

Work directly with your lender through underwriting. Approvals can happen in days; funds typically arrive within weeks.

Why CredibleLender

  • ✓ You are connected directly to lenders — not resold as a lead
  • ✓ Transparent, capped pricing — no hidden fees or surprises
  • ✓ No upfront fees — you only pay if you are funded
  • ✓ Bank-issued products available — not just cash advances
  • ✓ Multiple financing types to match your exact situation
  • ✓ GAAP cost-of-capital disclosure on all programs
Funding Programs

Choose the right financing for your business

Apply Now →
📊

Business Line of Credit

Unsecured · Revolving · Bank-Issued

Up to $250,000 — Revolving, unsecured credit line issued directly by real U.S. local banks. Draw and repay as needed with no term limit.
Loan Amount Up to $250,000
Interest Rate 8.5% – 12% annually (simple)
Repayment Monthly interest-only
Min. Time in Business 2+ years
Min. Monthly Revenue $30,000/month
Min. Credit Score 700+ FICO (all owners)
Ownership U.S. Citizen or Green Card
Required Docs 3 mo. bank statements, tax return, valid ID
~4 weeks to close Apply for LOC →
💼

Business Term Loan

Growth Capital · 10-Year Fixed

$25,000 – $350,000 — For working capital, growth, inventory, payroll, or MCA debt refinance. Structured as a 10-year term with a UCC lien.
Loan Amount $25,000 – $350,000
Term 10 years
Interest Rate Target 15–20% (risk-based) + 5% origination
Min. Annual Revenue $100,000+
Min. Credit Score 640+ FICO (all 20%+ owners)
Min. Time in Business 1+ year
Collateral UCC on all business assets + personal guarantee
Required Docs 12 mo. bank statements, tax return, debt schedule
MCA payoff eligible Apply for Term Loan →
🏛️

SBA Term Loan

Government-Backed · 10-Year · Up to $350K

Up to $350,000 — SBA-guaranteed 10-year term loan. No minimum DSCR or cash flow requirement. Rate: WSJ Prime + 2.75% – 6%.
Loan Amount Up to $350,000 (35% of revenue minus debt)
Rate WSJ Prime + 2.75% – 6%
Credit Score SBSS Score 170+ (no personal FICO minimum)
Min. Annual Revenue $100,000+
Min. Time in Business 2+ years (based on filed tax returns)
Avg. Bank Balance 3+ months of new loan payment (last 6 mo.)
MCA Restriction No MCA within the last 6 months
Est. SBA Fees $1,970 – $11,375 (collected from proceeds)
U.S. Citizens & LPRs only Apply for SBA →
🏢

Commercial Real Estate

Purchase · Refinance · Investment

Commercial real estate financing for purchase, refinance, or equity. Our lending partners specialize in owner-occupied and investment commercial properties.
Use of Funds Purchase, refinance, or equity extraction
Property Types Owner-occupied & investment commercial
Process Direct lender match & underwriting
Required Docs Property info, rent rolls, tax returns, financials
Ownership For-profit entities in good standing
Speak with a specialist Apply for CRE →
Debt Relief Program

Buried in MCA debt?
We can consolidate it.

If your business is weighed down by merchant cash advances with daily or weekly debits, our MCA Debt Consolidation program can roll them into a single, affordable monthly payment — giving your cash flow room to breathe.

Loan amounts up to 35% of 2024 annual sales, max $1M loan on up to $5M in annual revenue. Structured as a 5-year fully amortizing term loan at WSJ Prime + up to 3%.

Program Details

Max Loan
$1,000,000
Structure
5-Year Fully Amortizing
Rate
WSJ Prime + up to 3%
Payments
Monthly
Min. Credit
680+ FICO
Time in Business
2+ Years
Currently available in: New York, New Jersey, Florida (Port St. Lucie and South), Arizona, Michigan, Ohio, Indiana, and California (Metro LA).
Start Your Application

Tell us about your
funding need

No hard credit pull to apply. Your information is never sold. A lending specialist will contact you directly within one business day.

🔒 Your data is never sold. No hard pull. No upfront fees — you only pay if funded.