ACH Business Loans 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.

In 2026, ACH loans are priced using a factor rate (e.g., 1.10 to 1.50) applied to the principal, meaning the total cost is transparent upfront. Most borrowers receive a decision within hours, and funding can be completed in as little as 24 hours, with minimal paperwork and no collateral required.

Whether you're recovering from a slow month, planning payroll, or need fast capital to restock inventory, ACH cash flow loans offer one of the fastest and most flexible financing options available.

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.

Most ACH loans are approved within a few business hours, and funds can be deposited via ACH transfer on the same day.

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.

Repayments are automatically debited from your business checking account, so you never have to worry about missing a due date.

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.

ACH lenders focus more on revenue and deposit activity than on credit history. As long as you have a consistent cash flow, your personal credit score is less important.

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.

Most lenders require just three months of business bank statements to get started — no tax returns, credit card statements, or lengthy forms required.

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.

Apply for an ACH Advance

Need fast funding with no collateral or credit requirements? Apply today for a same-day ACH advance through Clarify Capital.

Is an ACH Loan Right for Your Business?

ACH loans are a flexible option for small businesses that need quick access to working capital, especially if you don't qualify for traditional financing or want to avoid putting up collateral.

They may be a good fit if:

• Your business generates at least $10,000 in monthly revenue

• You've been turned down for a loan due to bad credit or limited time in business

• You need fast funding, typically within 1 to 2 business days

• You prefer automatic daily or weekly repayments that align with your cash flow

• You don't want to offer personal or business assets as collateral

ACH loans are especially popular among service providers, retailers, restaurants, and other businesses with steady deposit activity. They're designed to solve cash flow problems without the paperwork and delays of traditional financing.

Not sure if an ACH loan is the best fit? Clarify Capital can help you compare other fast options, like a merchant cash advance or working capital loan, based on your revenue, goals, and repayment preferences.

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. Emergency Repairs and Unplanned Expenses

Unexpected equipment breakdowns, urgent repairs, or utility interruptions can be costly. ACH loans help businesses access quick capital to handle these disruptions without affecting daily operations.

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.

In 2026, most ACH lenders look for:

• At least $10,000 in monthly revenue

• 3 to 6 months in business

• A business checking account with regular ACH activity

• 3 months of recent bank statements

• No recent bounced payments or excessive overdrafts

Even with bad credit, businesses can still qualify based on consistent cash flow. ACH advances are designed to serve businesses that may not meet traditional financing requirements but have strong receivables and a history of regular deposits.

Your Clarify Capital advisor will help you review your recent revenue, account activity, and repayment preferences to recommend the best ACH lender for your business goals.

Ready for an ACH business loan?

Get approved for an ACH advance and have money in your account within 24 hours. No obligation. Prequalify without affecting your credit score.

ACH cash flow loans are one of the fastest financing solutions for small business owners, especially if you need short-term funding, have bad credit, or don't want to offer collateral.

At Clarify Capital, we work with 75+ trusted ACH lenders to get you approved quickly and on your terms. Our simple, no-pressure application takes just 2 minutes, and you'll work with a dedicated loan advisor from start to finish.

Need funding fast? Apply today to get matched with top ACH lenders and receive same-day funding.

FAQs About ACH Business Loans

Let's go over some common questions about ACH business loans.