CEO & Co-Founder, Clarify Capital
Dual Degrees, Accounting & Finance | Kelley School of Business, Indiana University '11
Same-Day Funding Specialist | SBA Loans, Term Loans, Lines of Credit, Equipment
Clarify Capital co-founder Michael Baynes has 15+ years of experience in the business finance industry working directly with entrepreneurs to secure the funding they need to grow. He founded Clarify with the mission to expand access to capital to more businesses, cut through industry noise and red tape, and give business owners clear, personalized answers to complex questions. A commitment to transparency and guidance defines his work, and he believes that the right capital at the right time changes everything for a business.
Michael focuses on high-impact funding solutions that include SBA loans, term loans, lines of credit, equipment financing, and everything in between, with a specialization in same-day funding for businesses that need to move quickly.
He holds dual degrees in Accounting and Finance from the Kelley School of Business at Indiana University and continues to apply that foundation to helping business owners make informed, confident financing decisions.
Leading the Way in Small Business Lending
Since co-founding Clarify Capital in 2017, Michael has secured over $900 million in funding for small businesses across the country. His expertise in SBA loans and same-day funding has helped entrepreneurs find a faster, clearer path through a complex lending environment.
Under Michael's leadership, Clarify Capital has become a trusted resource for business owners seeking fast, transparent access to capital, backed by education-first content that makes financing easier to understand.
in funding arranged for small businesses since 2017
Fast Business Loans
Same Day Business Loans
Lines of Credit
Equipment Financing
Finance Education
Ready to find the right funding for your business? Michael and the Clarify Capital team are here to help you navigate the lending process with speed, clarity, and zero fine-print surprises.