You run your business.
We get you funded in 24 hours.
Clarify treats small business owners like family.
Get quick small business loans and working capital up to $5 million.
Clarify treats small business owners like family.
Get quick small business loans and working capital up to $5 million.
Small Business Financing Options
Compare financing options and find the best loan for your business. Get loan amounts from $5K to $5M with flexible repayment terms. Checking your rate won't affect your credit score.
$5K – $5M;
Rates from 6%
Revolving credit;
borrow up to $5M
Government-backed
rates as low as 6%
Up to 100% of equipment
cost covered
Unlock 70%–100% of
unpaid invoices
Short-term funding
based on daily sales
We make sure you're getting the lowest rate possible, and set your business up for success.
When you choose Clarify, you're part of our family. Our relationship is not just about numbers.
There's a reason why small business owners love us. Don't take our word for it, here's what they have to say.
Your time is valuable. So our online application takes just 2 minutes.
Get instant approval and funds in your bank account with 1-2 days.
Here's everything else you need to know, in simple language.
Most products are approved and funded within 24-48 hours. Merchant cash advances and invoice factoring are same day. SBA loans take longer (typically 2-6 weeks).
Eligibility varies by product, but general minimums are:
6+ months in business
Revenue of $120,000+ per year ($10,000+ per month)
500+ credit score
While credit score is an important factor, monthly revenue is also a consideration. If you don't meet these requirements, apply anyway. Our advisors may find a match for you.
No. Our soft credit inquiry allows us to determine your rate. A hard credit inquiry will only be performed if you choose to accept an offer from a lender.
We allow funding for most business purposes, such as payroll, inventory, equipment, marketing, expansion, cash flow, and debt consolidation. Some products have restrictions, like equipment financing, but most don't.
Yes. Some of our partners will consider credit scores as low as 500, and some products, like a merchant cash advance, don't rely on credit score as heavily. Our advisors will find the best match for you.
Typically, you will need 3-6 months of bank statements, identification, basic business information, length of time in business, etc. Tax returns may be required with an SBA loan. Our advisors will guide you through the process.
Yes. Many of our partners do not have any prepayment penalties, and some may even offer a discount if you pay early. Our advisor will make sure you know the terms before you sign an agreement with a lender.
No. Clarify Capital does not charge any up-front fees. Our services are free, and we only get paid by our lending partners.
Banks can be slow and rigid on eligibility. We offer access to 75+ lenders, faster approval times (hours, not weeks), a rate shopping advisor, flexible options for every credit profile and business stage, zero cost to you, and funds as fast as the next business day. We're your funding concierge.
"We believe you deserve straight answers. If a loan isn't right for you, we'll tell you."
— The Clarify Capital Team
When you apply for a fast business loan with us, your dedicated Clarify advisor does all the legwork. So you can focus on what you do best — running your company. More about us →
Your business is unique, and your financial solutions should be, too. We offer flexible terms tailored to meet the specific needs of your business.
Get approved for a small business loan today with APRs starting at just 6%. Fast online application that only takes 2 mins. Same-day funding for credit scores over 550.