We understand small business
As leaders in small business funding, we know that time is everything for business owners. That's why we offer the most flexible and hassle-free financing solutions for small businesses. Unlike most banks, we are focused on providing you with the funding you need, when you need it
Speed
Flexibility
Custom tailored solutions specific to business needs
Hassle-Free
No more endless paperwork, constant denials, & strict requirements
Your Partner in Smart Financing & Growth
Discover how CreditXip has become a leader in the business lending industry.
At CreditXIP, we don’t just offer financial solutions — we craft personalized strategies that drive your business forward. With our deep industry expertise and unwavering commitment, we’re here to help you unlock growth, overcome challenges, and achieve your goals faster.
Daily, weekly, & monthly payment options
Pre-payment discounts available
Rates starting at 5.25%
Funding up to $5M w/ No Min FICO® Score.
Terms up to 25 years
Decisions within 4 hrs w/funding SAME-DAY!
Explore our flexible asset loans and credit lines. With terms up to 2 years and 5-year amortization, we support your goals.
$10,000 - $5 Million
3 Months - 10 Year Terms
Funding in 1 - 10 days
Secure financing for new equipment or upgrade existing machinery with our customized financing options.
$5,000 - $15 Million
6 Months - 5 Year Terms
Funding in 1 - 5 days
Our term loans offer funding for up to 10 years with competitive rates starting as low as 5%. Get your funds in as little as 5 days.
$10,000 - $5 Million
6 Months - 10 Year Terms
Funding in 1 - 10 days
Explore our competitive commercial real estate loan options designed to help you achieve your property goals.
Explore our competitive commercial real estate loan options designed to help you achieve your property goals.
$50,000 - $30 Million
6 Months - 30 Year Terms
Funding in 10 - 45 days
Explore our competitive commercial real estate loan options designed to help you achieve your property goals.
$50,000 - $30 Million
6 Months - 30 Year Terms
Funding in 10 - 45 days
Our RBF and MCA programs provide flexible funding based on sales for quick business liquidity.
$5,000 - $2 Million
1 Month - 18 Months
Funding in 1 - 5 days (Same-day available)
You can get paid faster and waiting for invoices to be paid. Learn more about how we can help your medical, trucking, or construction business.
$5,000 - $500k+ aged up to 90 days
As Long as Client Wants to Leverage
Funding in 1 - 5 days
Our SBA 7a and 504 programs provide financing for small businesses. The 7a offers loans for various needs while the 504 focuses on real estate.
$10,000 - $5 Million
5 - 25 Year Terms
Funding in 20 - 45 days
Empowering Businesses
$150M+
Funds Disbursed
Up to $2M
Funded Same - Day
500+
Satisfied Businesses
10+
Years of Expertise
Why Businesses Trust Our Payment Solutions
Managing payments shouldn’t be complicated or costly. We eliminate high processing fees, security risks, and unreliable support by offering a seamless, secure, and cost-effective solution.
Explore
01
Low Rates & Free POS System Offer
Enjoy some of the lowest processing fees in the industry—rates starting as low as 1.25% + $0.40/$0.20 per transaction. Plus, you may qualify for a free POS system to streamline your business operations. Don’t miss this opportunity to cut costs while enhancing your payment processing capabilities!
02
Expert Advice for Your Payment Processing Needs
Get tailored guidance from industry professionals to optimize your payment processing. Our team of experts will help you choose the best solutions for your business, ensuring seamless transactions, cost savings, and enhanced efficiency. Whether you’re new to payment gateways or looking to upgrade, we provide the insights you need to scale confidently.
03
Secure Transactions with Advanced Protection
We prioritize security with cutting-edge encryption, fraud prevention, and compliance measures. Your transactions are protected with the latest technology, reducing risks and ensuring safe payments for both you and your customers.
04
24/7 Customer Support for Hassle-Free Service
Need assistance? Our dedicated support team is available 24/7 to help with any issues or questions. Whether you need technical support or account assistance, we’re here to ensure your payment processing runs smoothly.
Get Instant Сash for Your Business in a Few Simple Steps
01.
Complete application
Our streamlined process is designed to be completed in just minutes.
No hard credit pulls*
02.
Get a decision.
We'll let you know if you qualify for our term loan, line of credit or both. If approved, you can then choose your loan amount and repayment terms.
03.
Receive your funds.
Sign your contract and get funds as soon as the same day. †
Are we a match?
Minimum requirements.*
3 Months
in business
$180,000
business annual revenue
500
personal FICO® score
Business
checking account
Our Process
The CreditXip Approach
A
Financial Evaluation
Assessing your financial position and identifying opportunities for growth.
B
Tailored Solutions
Crafting customized financial solutions aligned with your business objectives.
C
Ongoing Support
Providing continuous monitoring and support to fuel your business success.
Client Testimonials
Read what our clients have to say about their experience with CreditXip.
“CreditXip provided us with the financial support we needed to expand our operations. Their expert team guided us through the process with professionalism and efficiency.”
Morgan Fahey
“Thanks to CreditXip, we were able to secure the funding required for our real estate venture. Their commitment to our success was truly remarkable.”
Jane Leorma
“CreditXip's credit repair department significantly improved my credit score, enabling me to access the funding essential for our business growth.”
Zack Mioli
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Does anyone qualify for business funding from Creditxip?Creditxip is dedicated to helping small and medium-sized businesses grow and thrive. While we have specific criteria for eligibility, we strive to provide funding to a wide range of businesses. To qualify for business funding from Creditxip, businesses must typically have been operating for at least 6 months, have a minimum monthly revenue of $10,000, with a min 500 FICO, and be able to provide relevant financial documentation; Completed application, 3 months business statements, voided check, & driver's license. We work with a variety of industries and are committed to finding tailored funding solutions for each unique business. If you believe your business meets these criteria, we encourage you to reach out to our team to discuss your funding options. But we work with anyone!
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Will my credit score affect how much money I get?Yes, your credit score will have an impact on the amount of money you can borrow from Creditxip & the type of loan product that you qualify for. As a business development service, we consider credit scores as one of the factors in assessing your creditworthiness. A higher credit score may result in a better loan product, higher loan amount, lower interest rates, and more favorable terms. However, even if you have a lower credit score, we still encourage you to apply, as we take a holistic approach to evaluating loan applications and consider other factors such as your business plan, revenue projections, and industry trends. At Creditxip, we are dedicated to helping entrepreneurs and small business owners access the funding they need to achieve their goals, and we work with you to find the best possible financing solution for your unique situation.
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Do you guys work with any type of business?Yes, at Creditxip, we work with businesses of all types and sizes. Whether you are a small startup, a mid-sized company, or a large corporation, we tailor our business development services to meet your specific needs. Our team has experience across a wide range of industries including technology, finance, healthcare, retail, and more. We understand that each business is unique, and we are dedicated to providing personalized solutions to drive growth and success for your particular industry and business model.
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Does Creditxip offer credit repair services to improve my credit score before applying for a loan?No, Creditxip does not offer direct credit repair services. However, we have partnered with well-established credit repair companies that have an exceptional track record of helping clients achieve the credit scores they desire. By working with these trusted partners, our clients can improve their credit ratings, thereby qualifying for better loan terms and financial products in the future. If you need assistance with credit repair, we are more than happy to refer you to these reputable partners to ensure you are on the right track.
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How fast can I get funded with Creditxip?At Creditxip, we understand the urgent nature of funding needs for business development. Our streamlined process allows for quick turnaround times, with funding typically available within 24-48 hours of approval. Our team works diligently to expedite the application and underwriting process, ensuring that you receive the necessary funds to fuel your business growth as quickly as possible. With our commitment to efficiency and customer satisfaction, we aim to provide a seamless funding experience for our clients, allowing you to focus on driving your business forward without unnecessary delays.
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What's the max amount of money that I can qualify for with Creditxip?The maximum amount of money that you can qualify for with CreditXip depends on various factors, including your credit score, income, and existing debts. For business loans, the maximum amount typically ranges from $5,000 to $15,000,000. We understand that every business is unique, so we evaluate each application on a case-by-case basis to determine the maximum loan amount that you qualify for. Our goal is to provide you with the funding necessary to support your business growth while ensuring that the loan amount is manageable for your financial situation. If you're unsure about the amount you may qualify for, we encourage you to reach out to our team for a personalized assessment based on your specific circumstances.
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Do I have to use the money from Creditxip for my business?No, you are not required to use the funds from Creditxip solely for your business. While our services are designed to support business development, we understand that personal financial needs may also arise. Whether it's investing in your business, covering personal expenses, or addressing unexpected financial challenges, Creditxip provides flexible funding options that can be used for either business or personal purposes. We believe in empowering our clients to make the best decisions for their unique circumstances while providing the necessary resources for growth and stability.
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What happens if I don't pay back my loan?At Creditxip, we understand that unexpected financial challenges can occur, making it difficult for our clients to repay their loans on time. However, it's crucial to communicate with our team if you anticipate difficulties in making a payment. In the event of non-payment, we may need to take legal action, which could result in additional fees and a negative impact on your credit score. We strongly encourage open communication and cooperation to find a solution that works for both parties. Our dedicated team is here to support you every step of the way, so please don't hesitate to reach out and discuss your situation.
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Do you offer any grace periods for late payments on your loans?At Creditxip, we understand that unexpected financial challenges can arise, which may result in late payments. We strive to work with our clients to find suitable solutions during difficult times. While we do not have a specific grace period policy for late payments, we encourage clients to reach out to our customer service team as soon as they anticipate any issues with making timely payments. Our team will work with you to explore options and find a resolution that meets your needs and our business requirements. It is important to communicate proactively to avoid any negative consequences associated with late payments. We are committed to helping our clients through challenging financial situations and are here to assist you in finding a solution that works for both parties.