{"id":30530,"date":"2024-08-20T13:29:48","date_gmt":"2024-08-20T13:29:48","guid":{"rendered":"https:\/\/www.credibly.com\/?page_id=30530"},"modified":"2025-10-27T14:20:53","modified_gmt":"2025-10-27T14:20:53","slug":"long-term-business-loans","status":"publish","type":"page","link":"https:\/\/www.credibly.com\/long-term-business-loans\/","title":{"rendered":"Long-Term Business Loans: Long-Term Loans for Business Expansion"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30530\" class=\"elementor elementor-30530\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa13556 jf-new-sp-two-boxes elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa13556\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a3f0ba jf-sp-box-green-1\" data-id=\"2a3f0ba\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47a85f2 elementor-widget elementor-widget-image\" data-id=\"47a85f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/trust-alt-1.png\" class=\"attachment-full size-full wp-image-27935\" alt=\"trust-alt\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f447173 elementor-widget elementor-widget-heading\" data-id=\"f447173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Invest in your growth<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3f6da2 elementor-widget elementor-widget-text-editor\" data-id=\"a3f6da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>With a long-term business loan enjoy benefits like:<\/strong><\/p>\n<ul>\n<li>Business financing from $50,000 to $10,000,000<\/li>\n<li>Terms up to 120 months<\/li>\n<li>Monthly payments<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bc53fbd jf-sp-box-white-1\" data-id=\"bc53fbd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8844052 elementor-widget elementor-widget-image\" data-id=\"8844052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/requirement-icon.png\" class=\"attachment-full size-full wp-image-27944\" alt=\"Requirements to qualify\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a4e261 elementor-widget elementor-widget-heading\" data-id=\"3a4e261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Requirements to qualify for long term business loans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2036592 elementor-widget elementor-widget-text-editor\" data-id=\"2036592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>While requirements for a long-term business loan may vary, your business will generally need:<\/strong><\/p><ul><li>To be operating in the United States<\/li><li>2+ years time in business<\/li><li>$500,000 in yearly deposits**<\/li><li>To deposit revenue in a business bank account<\/li><li>A credit score of 700+<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-90afa51 jf-new-sp-truspilot e-flex e-con-boxed e-con e-parent\" data-id=\"90afa51\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-722c155 e-con-full e-flex e-con e-child\" data-id=\"722c155\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b7dcdf elementor-widget elementor-widget-heading\" data-id=\"1b7dcdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What our customers say about working with Credibly<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16cdcef elementor-widget elementor-widget-html\" data-id=\"16cdcef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\r\n<!-- TrustBox widget - Slider -->\r\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"55b65a890000ff0005817976\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"5\" data-review-languages=\"en\">\r\n<a href=\"https:\/\/www.trustpilot.com\/review\/credibly.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>\r\n<!-- End TrustBox widget -->\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a80b04 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"0a80b04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/apply-online\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-791d7af jf-new-sp-text-image elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"791d7af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cffc985\" data-id=\"cffc985\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-532903c elementor-widget elementor-widget-heading\" data-id=\"532903c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a long-term business loan?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac8ae6 elementor-widget elementor-widget-text-editor\" data-id=\"aac8ae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A long-term loan is a business financing option for established businesses that need a large amount of capital at a lower interest rate for growth.\u00a0<\/p><p><strong>Maximize your business potential:<\/strong><\/p><ul><li>Open a new location<\/li><li>Purchase new equipment<\/li><li>Expand into new markets<\/li><li>Launch a new product<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a4116 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"d6a4116\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/incredibly\/what-are-long-term-loans\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8037c06\" data-id=\"8037c06\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35a3bf9 elementor-widget elementor-widget-image\" data-id=\"35a3bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"923\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Long-term-business-loans-1.webp\" class=\"attachment-large size-large wp-image-30585\" alt=\"Long term business loans\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Long-term-business-loans-1.webp 800w, https:\/\/www.credibly.com\/wp-content\/uploads\/Long-term-business-loans-1-260x300.webp 260w, https:\/\/www.credibly.com\/wp-content\/uploads\/Long-term-business-loans-1-768x886.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c2bbb2d jf-new-sp-trusted-by elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c2bbb2d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1a2c926\" data-id=\"1a2c926\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2016d1f elementor-widget elementor-widget-heading\" data-id=\"2016d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><b>We are trusted by:<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b8d2d70\" data-id=\"b8d2d70\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efc3aae elementor-widget elementor-widget-image-gallery\" data-id=\"efc3aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-30530 gallery-columns-3 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"forbes-logo-1-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxNTEsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9mb3JiZXMtbG9nby0xLTEtMS5wbmciLCJzbGlkZXNob3ciOiJlZmMzYWFlIn0%3D\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1.png'><img loading=\"lazy\" width=\"322\" height=\"144\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1.png\" class=\"attachment-full size-full\" alt=\"Forbes Logo\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1.png 322w, https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-1-300x134.png 300w\" sizes=\"(max-width: 322px) 100vw, 322px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"bankrate-logo-1-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxNTIsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9iYW5rcmF0ZS1sb2dvLTEtMS0xLnBuZyIsInNsaWRlc2hvdyI6ImVmYzNhYWUifQ%3D%3D\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1.png'><img loading=\"lazy\" width=\"334\" height=\"154\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1.png\" class=\"attachment-full size-full\" alt=\"bankrate logo\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1.png 334w, https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-1-300x138.png 300w\" sizes=\"(max-width: 334px) 100vw, 334px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"nerdwallet-logo-1-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxNTMsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9uZXJkd2FsbGV0LWxvZ28tMS0xLTEucG5nIiwic2xpZGVzaG93IjoiZWZjM2FhZSJ9\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1.png'><img loading=\"lazy\" width=\"368\" height=\"176\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1.png\" class=\"attachment-full size-full\" alt=\"Nerdwallet\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1.png 368w, https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-1-300x143.png 300w\" sizes=\"(max-width: 368px) 100vw, 368px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f09eda3 jf-new-sp-steps-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f09eda3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5e1772f\" data-id=\"5e1772f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-020e2d5 elementor-widget elementor-widget-heading\" data-id=\"020e2d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get a long term business loan in 4 easy steps<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3408f7 elementor-widget elementor-widget-text-editor\" data-id=\"e3408f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Explore your options without damaging your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-43f4c14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43f4c14\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3b51b73\" data-id=\"3b51b73\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98b8cdc elementor-widget elementor-widget-image\" data-id=\"98b8cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-880.png\" class=\"attachment-large size-large wp-image-28593\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1035156\" data-id=\"1035156\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d25dfeb elementor-widget elementor-widget-heading\" data-id=\"d25dfeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Apply online<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-100b9da elementor-widget elementor-widget-text-editor\" data-id=\"100b9da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Click \u201cGet Started\u201d to apply for a business line of credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-58fc8b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58fc8b3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3d8a82e\" data-id=\"3d8a82e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ae2c8d elementor-widget elementor-widget-image\" data-id=\"0ae2c8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-881.png\" class=\"attachment-large size-large wp-image-28594\" alt=\"2\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c27e6be\" data-id=\"c27e6be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-423c511 elementor-widget elementor-widget-heading\" data-id=\"423c511\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Gather required documents<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3677af6 elementor-widget elementor-widget-text-editor\" data-id=\"3677af6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to start.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7e89661 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e89661\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-714eb07\" data-id=\"714eb07\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78c81ee elementor-widget elementor-widget-image\" data-id=\"78c81ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-882.png\" class=\"attachment-large size-large wp-image-28595\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cae6eb8\" data-id=\"cae6eb8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2062cc elementor-widget elementor-widget-heading\" data-id=\"d2062cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Approval in as little as 4 hours<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beb28f4 elementor-widget elementor-widget-text-editor\" data-id=\"beb28f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your loan application will be reviewed and you can get approved in as fast as 4 hours.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2755be9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2755be9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51b9ad9\" data-id=\"51b9ad9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2607f4 elementor-widget elementor-widget-image\" data-id=\"d2607f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-883.png\" class=\"attachment-large size-large wp-image-28627\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-07f69b0\" data-id=\"07f69b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdbd203 elementor-widget elementor-widget-heading\" data-id=\"cdbd203\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Receive same-day funding<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5628973 elementor-widget elementor-widget-text-editor\" data-id=\"5628973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If approved, your line of credit can be ready on the same business day<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9c8ba6 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a9c8ba6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/apply-online\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0cde6de elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"0cde6de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41d735c elementor-widget elementor-widget-image\" data-id=\"41d735c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"761\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993.webp\" class=\"attachment-large size-large wp-image-27970\" alt=\"Secured business loans\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993.webp 800w, https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993-300x285.webp 300w, https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993-768x731.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Invest in your growth With a long-term business loan enjoy benefits like: Business financing from $50,000 to $10,000,000 Terms up to 120 months Monthly payments Requirements to qualify for long term business loans While requirements for a long-term business loan may vary, your business will generally need: To be operating in the United States 2+ [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":36515,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"enable-hero":"true","add-proapprove-logo":"false","hero-h1-heading":"Long-term business loans","hero-subheading":"<p>Invest in larger long-term projects with this flexible and convenient financing option.<\/p>\n","hero-background-image":"","hero-image":"22706","hero-1st-button-copy":"","hero-1st-button-link":"","hero-1st-button-trigger":"","hero-1st-button-id":"","hero-2nd-button-copy":"","hero-2nd-button-link":"","hero-2nd-button-trigger":"","mobile_image":"","enable-1st-form-section":"true","1st-form-text-heading":"<h2>Get capital fast with our easy working capital loans for businesses<\/h2>\n","1st-form-text-subheading":"","1st-form-text-paragraph":"<p><strong>Rolling out the red carpet, not the red tape<\/strong><\/p>\n<p>Fill out our form to pre-qualify, get approval, and have funds deposited in your account in as little as 24 hours. It really is that simple.<\/p>\n<p><strong>Factor rates that encourage growth<\/strong><\/p>\n<p>Enjoy working capital loan rates as low as 1.11** that make payments easy to handle, and let your business grow, not owe.<\/p>\n<p><strong>Get the answers you need<\/strong><\/p>\n<p>Our customer service team is 100% US-based. Have questions about working capital loan requirements or need help? Don't hesitate to reach out. Our friendly experts are ready to help you find tailored solutions for your needs.<\/p>\n","1st-form-form-heading":"<h3>Speak to a working capital loan expert<\/h3>\n","1st-form-shortcode":"[sc name=\"jf_general_inquiry\"][\/sc]","sp-logos-enabled":"false","logo-slider-heading":"","logo-slider-template":"[elementor-template id=\"8253\"]","sp-test-enabled":"true","testimonials-heading":"<h2>What our customers say about our business loans for working capital<\/h2>\n","testimonials-subheading":"","testimonials-image":"","testimonial-template":"[elementor-template id=\"20732\"]","move-testimonials-under-1st-form":"false","stats-enabled":"false","stats-section-background":"","stats-heading":"","stats-number-of-columns":"3","stats-repeater":"","enable-map-module":"false","map-heading":"","map-copy":"","map-embed":"","enable-cta":"false","cta-heading":"<h2>Secure your long term small business loan today<\/h2>\n","cta-content":"<p>Access up to $10M with a long-term business loan.<\/p>\n","cta-button-copy":"Get Started","cta-button-link":"\/apply-online","cta-button-trigger":"","cta-bg-image":"","enable-code-cta":"true","code-cta":"<div class=\"cf-cta-snippet cta116747\" data-website-id=\"28404\" data-cta-id=\"116747\"><\/div>","enable-2nd-form-section":"false","2nd-form-module-text-heading":"","2nd-form-module-text-sub-heading":"","2nd-form-module-text-paragraph":"","2nd-form-module-form-heading":"","2nd-form-module-shortcode":"","serv-enabled":"false","service-heading":"","service-subheading":"","service":"","cs-enabled":"false","case-studies-heading":"","case-studies-subheading":"","enable-post-content":"false","team-enabled":"false","meet-the-team-heading":"","meet-the-team-subheading":"","serv-alt-enabled":"true","service-alt-heading":"<h2>Benefits of a working capital loan for businesses<\/h2>\n","service-alt-subheading":"","service-alt":{"item-0":{"service-alt-bg":"20975","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/dollar_outlined.svg","service-alt-title":"Max loan size<br>Up to $600,000","service-alt-description":"<p><strong>Qualifying criteria\u00a0<\/strong><\/p>\n<p>Working capital loans are available to businesses throughout the U.S. that meet certain requirements:<\/p>\n<ul>\n<li>Located in the United States<\/li>\n<li>6+ months in business<\/li>\n<li>At least $15,000 in monthly revenue*<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-1":{"service-alt-bg":"20976","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/calendar_month.svg","service-alt-title":"Term length<br>3-24 months","service-alt-description":"<p><strong>Required documentation<\/strong><\/p>\n<ul>\n<li>A signed business loan agreement<\/li>\n<li>A business mortgage statement if you own your property. A business lease agreement if you rent your property<\/li>\n<li>Government-issued photo-ID for all owners<\/li>\n<li>Bank statements from business banking account\u2014most recent three months**<\/li>\n<li>For loans over $100,000, we require your most recent business tax return<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-2":{"service-alt-bg":"20977","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/chart_line_down.svg","service-alt-title":"Factor rates<br>as low as 1.11","service-alt-description":"<p><strong>Factor rates and fees<\/strong><\/p>\n<ul>\n<li>We aim to make both funding and payments intuitive, convenient, and easy to handle<\/li>\n<li>We present working capital financing as a factor rate:<br \/>\nFactor Rate = Payback Amount\/Funding Amount<\/li>\n<li>Origination Fee: A one-time 2.5% of the total loan amount set-up fee is deducted from your proceeds<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-3":{"service-alt-bg":"20975","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/sort.svg","service-alt-title":"Automatic repayments<br>daily*** or weekly****","service-alt-description":"<p><strong>Hassle-free repayment<\/strong><\/p>\n<ul>\n<li>Put your loan\u2019s capital to use without worrying about when to send your payment<\/li>\n<li>Eliminate the headache of financing and focus on growing your business with a direct lender like Credibly<\/li>\n<\/ul>\n","service-alt-button-link":""}},"enable-faq-section":"true","faq-section-title":"<h2>Frequently asked questions about long-term loans<\/h2>\n","faq-section-subtitle":"","faq":{"item-0":{"question":"<h2>What are the mechanics of long-term business financing?<\/h2>\n","answer":"<p>Long-term business loans allow you to meet your most important business goals with favorable repayment terms. Whether you want to open a new location, grow your team or launch a new product, these expansion loans can help make your most important business goals happen.<\/p>\n<p>When you apply for a long-term business loan, you will receive the full loan amount upfront as a lump sum. You can use that capital to fund your business growth initiative and set your business up for long-term success. That long-term loan is then repaid over a relatively long time (compared to other business loan options) in smaller monthly payments.<\/p>\n<p>Because long-term business loans are repaid over a long time, the interest rates are lower. However, you will need to carve out your monthly payment every month for at least a few years.<\/p>\n<p>For that reason, it is best to run the numbers to ensure that your business investment will truly take your business to the next level. Short-term loans, like working capital loans, are better for more immediate needs or to cover seasonal fluctuations in business.<\/p>\n<p>Check out our <a href=\"https:\/\/www.credibly.com\/small-business-loan-payment-calculator\/\">small business loan calculator tool<\/a> to understand your approved financing amount and weekly payment based on your business criteria.<\/p>\n"},"item-1":{"question":"<h2>How do long-term loans support business growth?<\/h2>\n","answer":"<p>Long-term business loans allow borrowers to pursue large-scale growth plans while paying for the initiative over the course of the loan. Similar to buying a house or getting a college education, many business initiatives take time to gain a return on investment.<\/p>\n<p>Whether you are looking to tackle the next phase of your business plan, open a new location, purchase new equipment, expand into new markets, grow your team, or launch a new product, long-term loans can help you reach your next phase of growth.<\/p>\n<p>The lower monthly repayment amounts of long-term loans can give your business the margin it needs to maintain positive cash flow.<\/p>\n"},"item-2":{"question":"<h2>Where can I get a long-term loan?<\/h2>\n","answer":"<p>Long-term\u00a0<a href=\"https:\/\/www.credibly.com\/small-business-loans\/\" rel=\"do follow\">small business loans<\/a>\u00a0are available through a number of financial institutions. Traditional banks, credit unions and online alternative lenders are among the most popular options.<\/p>\n<p>While your local bank or credit union likely offers\u00a0<a href=\"https:\/\/www.credibly.com\/\" rel=\"do follow\">business loans<\/a>, bank loans are notorious for having very high qualifying standards and taking a long time to actually provide funding.<\/p>\n<p>Applying for a long-term small business loan online offers both time and eligibility advantages, providing loans to business owners who want to move quickly on an opportunity or don\u2019t meet bank eligibility standards.<\/p>\n<p>Many financial institutions refer to long-term and short-term loans as simply \u201cterm loans.\u201d Long-term loans are any term loan that has a relatively long repayment term, usually three or more years.<\/p>\n"},"item-3":{"question":"<h2>How can I use a long-term loan?<\/h2>\n","answer":"<p>Many long-term business loans are flexible, which means that you can use them to fund your most valuable business opportunities (and you make that determination as the business owner).<\/p>\n<p>However, you may find that your business loan comes with strings attached in some situations. For example, some long-term loans like commercial mortgages or truck financing must be used to fund a specific purpose, such as real estate.<\/p>\n<p>Be sure that you understand any loan terms before signing the loan agreement.<\/p>\n"},"item-4":{"question":"<h2>Is a long-term loan or a short-term loan better for my business?<\/h2>\n","answer":"<p>Whether a long-term loan or short-term loan is right for your business depends more on your specific business need than on your business industry or size.<\/p>\n<p><a href=\"https:\/\/www.credibly.com\/guides\/short-term-business-loans\/\" rel=\"do follow\">Short-term business loans<\/a>\u00a0typically have lower qualifying standards and shorter repayment periods, so they are great for short-term needs like seasonal fluctuation in revenue or a sudden need for an infusion of capital. Shorter-term loans may have higher interest rates, but less time for interest to accrue.<\/p>\n<p>Long-term business loans have stricter borrowing requirements, lower interest rates and longer term lengths, so they are great for long-lasting initiatives and growth plans. While long-term loans usually have comparatively low rates, lenders may have fees that guarantee you pay enough interest.<\/p>\n<p>Both types of loans have unique advantages, so it is important to find the right-size funding for your business. Talk to a Credibly business consultant today to find the best funding option for your business needs.<\/p>\n"},"item-5":{"question":"<h2>Do I qualify for a long-term business loan?<\/h2>\n","answer":"<p>When you apply for a long-term business loan, a lender will look at a variety of factors to determine your \u201ccreditworthiness,\u201d which is basically a measure of how likely it is that you will pay back the loan.<\/p>\n<p>During the application process for a small business loan, business lenders will ask for your credit history, such as your personal credit score, and your business financial documents, such as your tax returns, to establish whether\u00a0you will be able to add a loan payment without breaking the bank.<\/p>\n<p>If you meet certain requirements for qualified borrowers, such as the minimum credit score and adequate cash flow, a lender will typically make you a loan offer. Depending on how qualified you are, your interest rate may vary.<\/p>\n<p>Be sure to read the full loan offer before accepting to ensure you are happy with the terms and can repay the loan.<\/p>\n"},"item-6":{"question":"<h2>Why is expansion important for a business?<\/h2>\n","answer":"<p>Business expansion helps expose your products or services to a broader audience in new markets, which increases your customer base, revenue, and profits.<\/p>\n<p>Ultimately, if you want your business to grow, you will need to expand to find or accommodate new customers who want your product or service.<\/p>\n<p>Let\u2019s say you have one auto repair shop. You may be knocking it out of the park every month and have service appointments booked weeks in advance, but the amount of revenue you can draw from that single location has a ceiling.<\/p>\n<p>To keep growing, you will physically need more space, more staff and more resources. But to get a bigger space, more staff and more equipment, you need cash upfront to get started. A long-term loan is ideal to help you make this leap.<\/p>\n"},"item-7":{"question":"<h2>What are other ways to get money to expand a business?<\/h2>\n","answer":"<p>Because business expansion is a large-scale project that requires significant investment, long-term financing and equity financing are typically the best financing options.<\/p>\n<p>SBA loan programs, crowdfunding, and angel investors can be an alternative to expansion loans, depending on your unique needs.<\/p>\n<p>There are other business funding options that you could use to expand your business, such as applying for a business line of credit or putting a bunch of expenses on your business credit card. However, these options are likely to cost you big time in accrued interest in the longrun.<\/p>\n<p>If you want to expand responsibly and sustainably, finding a long-term loan is preferable.<\/p>\n"}},"enable-interlinks-section":"false","interlinks-heading":"","interlinks-without-links":"","steps-enabled":"true","steps-heading":"<h2>Get started today with three easy steps<\/h2>\n","enable_4_columns_on_steps_repeater":"false","steps-repeater":{"item-0":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-552.svg","step-number":"Step 1","step-title":"Pre-qualify online<br>","step-description":"<p>Start your capital finance loan application process today. Click \u201cGet Started\u201d and enter your business information to pre-qualify for a working capital loan. 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