Fuel your business without the wait. A merchant cash advance in San Francisco gives you fast access to capital.
Fast funds, no friction
Submit your application in minutes. You could be approved in just 2 hours and have funding in as fast as 4 hours.
Use it where it counts
Need to catch up on payroll, stock up before a rush, or invest in a short-term project? It’s your call.
Remittances that flex with sales
Remittances are tied to your revenue. Slow month? Your remittance adjusts automatically.
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As fast as 4 hours
Billion in financing
Small businesses financed
As fast as 2 hours
As fast as 4 hours
Billion in financing
Small businesses financed
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Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely need:
Click "Get Started" to apply for financing.
We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.
Your loan application will be reviewed and you can get approved in as fast as 2 hours.
If approved, your requested financing can be transferred to your bank account as soon as the same business day.
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
Still looking for the right fit? Check out all of Credibly's business financing options.
Credibly | Bank Loans | Credit Cards | SBA Loans | |
|---|---|---|---|---|
Funding Range | $5K-$600K | $100K | Credit dependent | Credit dependent |
Process | Pre-qualify online Soft credit pull only | Long application, credit inspection, business plan, and industry risk | Prequalify online Soft credit pull only | Long application, credit inspection, business plan, and industry risk |
Approval Time | Approval in as fast as 2 hours | Weeks-Months | Less than 30 Days | Months |
Time to Funding | as fast as 4 hours | 2-3 Months | 7-10 Business days | 60-90+ Days |
Approval Criterias | Overall business health | Credit score and collateral | Credit score | Credit score and collateral |
Will applying for an MCA in San Francisco hurt my credit score?
Most merchant cash advance providers in San Francisco typically use a soft credit pull when reviewing applications. Soft inquiries do not affect your credit score or show up for other financiers to see.
Some providers may escalate to a hard pull when dealing with larger advances or if they require deeper underwriting. Hard inquiries can shave a few points off your score and stay on your report for about two years.
How do remittances work with a merchant cash advance in San Francisco?
Remittances for a merchant cash advance in San Francisco are designed to follow your cash flow. Instead of monthly bills, the financing provider collects either a percentage of each card sale or a fixed daily or weekly amount based on your average revenue.
Either approach matches remittances to the rhythm of your sales, so you can meet obligations without the surprise of a one‑size‑fits‑all monthly bill.
Does remitting the full amount of my MCA in San Francisco early save me money?
Not always. That’s because MCAs in San Francisco are not amortized.
When you receive an MCA, you commit to remitting the advance amount plus the cost of borrowing. Even if you make larger remittances up front, the total cost remains the same.
However, some financing providers may offer discounts for remitting earlier. Ask your financing provider about any programs they have.
What determines the factor rate for my merchant cash advance in San Francisco?
Factor rates tell you how much you will remit on your merchant cash advance in San Francisco. Rates usually fall between 1.2 and 1.5, and can be as low as 1.11.
MCA providers review several factors about your historical business performance to determine this rate. Showing consistently strong cash flow may help reduce it. Being in a stable industry with predictable sales can also help improve your rate, while being in a new or seasonal industry may lead to higher rates.
What is the alternative to a merchant cash advance in San Francisco?
You have choices beyond MCAs in San Francisco:
These alternatives may be slower or require stronger credit, but they can preserve margin, reduce cost, and support long‑term growth.
Each year, veterans around the United States start their own businesses after returning to civilian life following military service. In addition to financing options available
When you need financing for your business, the company you choose to work with matters. A direct business lender can provide a more straightforward path
Small business loan qualifications are primarily driven by your credit profile, time in business, and average monthly deposits/revenue. Lenders evaluate these factors alongside your personal and business credit history to determine loan amounts, interest rates, and repayment terms.
*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
