Best Easy Business Loans

  • Quick approval and funding within 24 hours
  • Get up to $750,000 in working capital
  • Interest rates as low as 7%
  • Flexible repayment terms
  • Up to 2 years loan term length
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Easy Business Funding

Easy financing for businesses that need working capital to meet cash flow demands

Clarify Makes Business Financing Easy & Simple

Unlike financing through a traditional bank or credit union, Clarify allows business owners to get capital with less paperwork and higher approval rates through our network of 75+ lenders. Our online loan process is clear, effortless, and quick. We’re committed to helping borrowers pursue the American dream with the financial backing they need to grow.

When you apply for a loan with us, your dedicated lending concierge first understands your specific business needs. Whether you’re a new business, startup business, nonprofit, or established business, we do all the legwork to secure the best interest rates and terms accessible. The entire process is straightforward and completely transparent — our primary goal is your success.

Clarify understands your personal credit score doesn’t define you or your business. While your score is a factor in securing a small business loan, it shouldn’t be the only deciding factor. So, we take a holistic view of your cash flow and business model to get you approved. We’ve worked with a wide array of small businesses and startups to quickly secure the loan amounts they need to grow their businesses.

Benefits of an Easy Business Loan From Clarify

We make getting access to working capital clear and painless for entrepreneurs. It’s quick and easy to fill out our online application (which takes less than two minutes) and get an instant preapproval based on your time in business, monthly or annual revenue, and credit score. Your credit rating isn’t affected by applying, and it’s free to see your available loan options.

Effortless Loan Application Process

You can view all the best business funding options you qualify for in just two minutes. You can get approved and funded within 24 to 48 hours.

High Approval Rates

We understand there’s more to your business than just your credit history. Whether you have good or bad credit, we factor in how long your business has been operational, your bank statement information, and your current monthly sales to maximize your qualifying eligibility with our pool of online lenders.

Lowest Interest Rates

Our marketplace of over 75+ lenders offers the lowest loan APRs in the industry. Your dedicated Clarify adviser helps you understand factor rates and pick the right loan program for your business needs.

Full Transparency

We take pride in being completely transparent every step of the way. You have a clear view of your loan terms, interest rate, and monthly payment to make a well-informed decision.

No Prepayment Penalty

There’s no penalty to pay your loan in advance if you choose to do so. Clarify is one of the few lenders in the industry that make the financing process straightforward.

Dedicated Financial Adviser

When you apply for a loan, a dedicated adviser is assigned to your business. Your adviser learns about your needs and helps you navigate the process with business lenders. We do the grunt work to get you financed regardless of your creditworthiness, so you can focus on running your business.

Easy Business Loan Uses

At Clarify, we keep things simple, so you don’t have to worry. We’ve helped various types of businesses secure SBA loans (such as a Microloan) from the U.S. Small Business Administration (SBA), business lines of credit, equipment financing, working capital loans, merchant cash advances, short-term loans, and other types of financing options.

While these types of loans aren’t what you would typically see from traditional lenders for things like real estate, they’re critical fast funding options for businesses to reach their greatest potential.

We outline common ways small business owners use easy business loans.


Employee payroll is one of the highest operational costs a business incurs. Ensure your staff is paid on time and in full with an easy business loan.


Financing can free up capital to use toward buying and purchase orders. Ditch the business credit card. A business line of credit can have a higher credit limit and a more favorable repayment schedule to purchase inventory. That way, you have the goods you need to make your business plan a reality.

Bridge Cash Flow

Sometimes, expenses can’t wait even though your business bank account might hurt. In these situations, lump sum funding can fill temporary cash flow gaps, allowing you to cover costs immediately.

COVID-19 Hardships

The novel coronavirus has impacted small businesses across the country. If you’re experiencing financial strain due to the pandemic, a business loan can help.


Use equipment loans to upgrade existing equipment and purchase new machinery. Talk to us to discuss down payment considerations and credit score requirements. Whatever your needs, we’ve got you covered.

Easy business loans at a glance

  • check 6 to 24-month terms
  • check Funding in 1 to 2 business days
  • check No collateral needed
  • check Low documentation required
  • check Flexible payment schedule


  • keyboard_arrow_right 6+ months in business
  • keyboard_arrow_right 550+ minimum credit score
  • keyboard_arrow_right $10K+ in monthly revenue

Note: These are general term loan qualifications. Other information might be considered during your application. Your dedicated Clarify adviser will walk you through it!
Easy small business loans

"Getting a loan from Clarify Capital was the easiest funding process I have been through for my company. They made it painless and I had full transparency on what terms and APR I was getting. Bryan and his team have put in the time to make sure small businesses like mine have a smooth experience. I'd highly recommend them to every entrepreneur out there who wants to improve their cash flow."

5-star Trustpilot reviews5-star Trustpilot ratingClarify Capital is rated 10/10 based on 225 reviews on Trustpilot
Ready To Grow Your Business?

Get preapproved for an easy business loan today and have funds in your account in as little as 24 hours. Prequalify without affecting your credit! The application process takes less than two minutes.