ACH Business Loans

  • Interest rates starting at 7%
  • Speedy approval process
  • Get funded in as little as 24 hours
  • No minimum credit requirement
  • Minimal paperwork needed
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Quick, short-term financing for small business owners with all types of credit

ACH Loans and Cash Flow Advances for Fast Access to Working Capital

ACH loans (also commonly referred to as ACH cash flow loans, ACH advances, ACH line of credit, or automated clearing house loans) are loans that can be used for a variety of business needs.

Small business owners typically use ACH loans to cover cash flow gaps and secure quick access to working capital. Eligibility is based primarily on monthly business revenue instead of credit scores.

Because credit standing isn’t the main factor in determining funding eligibility, ACH loans are a great option for small business owners with subpar credit. If you’ve been denied traditional small business financing, such as an SBA loan, an ACH loan might be right for you.

At Clarify, we believe that all small business owners should be given access to financing, regardless of their situation. We work hard to find small business loan options that work for you, so you can achieve your business goals. When you finance through Clarify, we treat you like family.

Benefits of ACH Loans

Cash flow-based loans have a number of benefits, making them a good financing option for small business owners with wide-ranging needs. At Clarify, we streamline our loan process to make securing capital simple and easy.

Full Transparency

You won’t find any hidden fees in our loan products. Other lenders include sneaky terms and prepayment penalties, which work against the borrower. At Clarify, we take pride in being the most transparent loan provider. Small business owners love working with us because we take an honest approach and always have the borrower's best interest in mind.

Quick Application Process

Our application process is speedy and straightforward. We understand that small business owners are busy dealing with complex business operations. We move quickly and do the hard work, so you can focus on running your business.

Flexible Repayment

Every business is unique, and small business owners have varying needs and preferences for repayment terms. ACH loans are one of the most flexible financing options. Small business owners can pay the borrowed funds back on a schedule that works for them. Choose to repay on a daily, weekly, biweekly, or monthly schedule.

All Credit Scores Can Be Eligible

Having less-than-stellar credit can be a huge hindrance when it comes to financing. Traditional financing relies heavily on credit standing to determine loan eligibility. If you’ve been denied a traditional loan because of your credit, ACH advances tend to be a great alternative option. You can get approved whether your credit is good or bad.

Minimal Paperwork Required

ACH loans require very little paperwork compared to alternative loan products from financial institutions. Unlike other lenders that require endless documentation, Clarify only requires the essentials. We strive to make the loan application process as easy as possible and limit the number of business days until you receive a direct deposit into your bank account.

No Collateral Needed

Cash flow loans are an unsecured type of financing, which means no collateral is needed to get approved. No collateral means less risk for business owners.

How Do Businesses Use ACH Loans?

An infusion of extra working capital can be used for a variety of business purposes. How you choose to use your funding typically depends on your company’s goals and objectives. We’ve listed a few common uses for ACH funding to give you an idea of just how beneficial these loans can be for your business.

1. Hiring and Training New Employees

Hiring and training new employees is an important part of growing a business. ACH loans can be used to help front the cost of onboarding and investing in new hires. Using the additional cash flow, small business owners can expand their businesses and secure top talent.

2. Bridging Cash Flow Gaps

Cash flow gaps are common when you’re running a business. Whether you’re dealing with an emergency, seasonal fluctuations, or a short-term dip in revenue, an ACH loan can provide the capital necessary to keep your business running.

3. Inventory Purchasing

Maintaining inventory is a necessary aspect of operating a business. ACH loans are a good option for business owners needing to restock supplies and place inventory orders. Whether you’re planning to buy in bulk or place a small order for special items, Clarify has you covered.

4. Stalled Invoice Payments

Slow payments and delayed invoices can leave businesses struggling to pay expenses. For those operating with smaller margins, awaiting receivables can put a small business in danger of failing. An ACH loan can be used as a short-term buffer, providing a quick infusion of capital while businesses wait for invoices to be paid.

5. Marketing and Advertising

Marketing and advertising are essential elements of every business strategy. Building awareness and bringing customers in helps contribute to the bottom line of every business. ACH loans can provide the capital necessary to build out and implement a strong marketing and advertising strategy.

6. Disaster and Pandemic Relief

During these unprecedented times, small businesses have experienced financial hardships. Maybe you’ve experienced a decline in sales since the start of the coronavirus pandemic, or maybe you’ve been dealing with increased costs of PPE and sanitation supplies. If your company has been impacted by COVID-19, we’re here to help.

Qualifying for a Cash Flow Advance

ACH loan eligibility works a little differently than alternative loan products, such as merchant cash advances (MCAs) or business credit cards. Our lenders look at specific criteria for loan approval, and average monthly revenue is the main qualifier.

Below are the factors we consider:

  • Average monthly revenue
  • Business bank account balance
  • Average monthly deposits
  • Time in business
  • Credit rating

While credit score is listed as a factor, it’s not weighed as heavily as other top qualifiers. If your credit score is in the lower range, don’t be discouraged. Borrowers who don’t have strong credit scores can still get approved.

FAQ About ACH Business Loans

ACH loans are a form of short-term business financing. Small business owners use ACH loans for fast access to working capital. ACH loans are considered “cash flow” loans because lenders look at your average business checking account balance when determining eligibility.
ACH loan repayment is automatic. ACH lenders withdraw automatic payments of a certain amount directly from your business debit card account, or savings account via an ACH debit or ACH transfer. The funds are withdrawn in fixed increments, over time, on a preset schedule. Once the loan is paid back in full, no further loan payments are made. The automatic, electronic payments make paying off your loan balance easy.
Yes. They are one of the top financing options for borrowers with bad credit. Lenders in the ACH network look primarily at monthly business revenue instead of credit history. Credit scores are a small factor in determining eligibility.
ACH loans differ from MCA loans in terms of how borrowed funds are repaid. Lenders withdraw funds directly from business checking accounts for ACH loans. Alternatively, for MCA loans, the lender withholds a portion of the company’s credit card deposits to repay borrowed funds.

ACH loans tend to have shorter repayment periods than term loans. Payback time is typically between three and six months. They are intended to be a short-term financing option. Term loan amounts are usually paid back over much longer periods of time.

The ACH advance is repaid through automatic and electronic withdrawals from your business checking account. For term loans, lenders don’t require direct access to your business checking account.

ACH loan & cash flow advance

Types of businesses that qualify for cash flow financing

Approval requirements

  • keyboard_arrow_right In business for at least 6 months
  • keyboard_arrow_right At least $10,000 per month in gross revenue
  • keyboard_arrow_right Last 3 months of bank statements for verification

Lending advisors committed to getting you funded today

When you choose Clarify, we consider you family. We work hard to secure the fast business loans you need to keep your business running smoothly.Manufacturing Financing Team

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Merchant Cash Advance

"I get solicited by lending companies every day, but when I spoke to Clarify Capital, I worked with the owners directly. While many companies mislead you with false hope, Bryan came through on every promise. I was approved in 24 hours, funding in 48 hours and received much better rates & terms than I previously had with another lender"

Restaurant Owner
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