Fast Business Loans

  • Instant approval and funding within 24 hours
  • Get financing from $10K to $750K
  • APR starting at 7%
  • Flexible repayment options
  • 6-month to 2-year loan terms
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Quick funding for business owners who need instant access to working capital.

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Getting a Quick Business Loan When You Need Funds Fast

Unanticipated expenses can pop up when running a small business. When that happens, it's critical to have access to working capital to keep moving forward. The success of your business can often depend on handling such expenses quickly.

Clarify specializes in helping companies get quick financing. Our streamlined process can get you approved and have the funds in your bank account in as little as 24 hours.

When you're in urgent need, it's important to not get into a financing situation that isn't optimal. That's where your Clarify lending concierge has your back. We help you identify the best possible options based on your specific needs.

6 Best Options for Fast Funding

Whether you need capital to fuel growth, repair a crucial piece of equipment, or cover short-term expenditure, we have you covered. When you apply online, your dedicated advisor will tailor a loan that sets your business up for success. Here are a few of the lending options we offer:

Short Term Loan

Get fast approval for a fixed amount of funding at interest rates as low as 7%. An unsecured short-term loan has no collateral requirements. Loan terms range from 6 months to 2 years.

Business Line of Credit

A line of credit is a flexible financing option that works similar to credit cards (at a much lower interest rate than a credit card). Get instantly approved for a credit limit that you can tap into for working capital as needs arise.

Invoice Financing

Factoring allows you to get a lump sum payment for outstanding receivables. It's a great way to get an instant infusion of cash based on unpaid invoices. There is no personal credit score requirement for invoice financing.

Equipment Loan

Whether you have good or bad credit, you can finance new or pre-owned equipment through our marketplace of 75+ lenders. Approval is quick and the equipment itself serves as collateral. There is no personal guarantee needed.

SBA Microloan

The Small Business Administration provides up to $50,000 through their Microloans program. SBA loans require a credit score of at least 575. Microloans don't have a down payment as compared to SBA 7(a) loans.

Merchant Cash Advance

With a merchant cash advance, your business is able to obtain funding in exchange for a percentage of your future sales. It's a quick and easy way to get funds with no collateral and no personal credit requirements.

Apply for Quick Funding

Common Situations That Require a Fast Small Business Loan

Every business owner comes across unanticipated expenses while running their company. That's life. The key is to be prepared to handle these situations in a timely manner with a working capital loan.

1. Opportunities for growth

A great opportunity to grow your business has bubbled up. What do you do now? You can either pass up on it due to lack of resources -- or you can capitalize on the opportunity by raising a round of funding. Our network of lenders love to help small business owners achieve their growth goals by providing the financing they need.

Apply for Growth Opportunity Loan


2. Equipment repairs and upgrades

Every piece of equipment has a limited lifespan. When a crucial part of your business breaks down or ages, repairs and upgrades become a necessity. An equipment loan from Clarify can make these purchases affordable for every business owner.

Apply for Equipment Financing


3. Material purchases to fulfill a large order

You just got a large order that needs to be fulfilled. The cost to purchase materials for a large client can sometimes be above your current cash reverses. A term loan or business line of credit can provide the money to make it possible.

Apply for Material Purchase Loan


4. Manage seasonal gaps in cash flow

Industries like retail, manufacturing, and transportation have seasonal trends that can hamper cash flow in some months. You can either scale down your team and expenses, which is not realistic to do each year, or you can bridge the gap with a quick business loan. A short term loan gets your company back on track to succeed when the seasonal downtrend passes.

Apply for Working Capital Loan


5. Hiring more skilled employees to keep up with demand

As the demand for your products and services grow, scaling your team with more skilled workers is crucial. Hiring and training employees come with added overhead to your bottom line. Use the capital raised from a quick business loan to hire top-notch employees.

Apply for Short-Term Loan


6. Increasing advertising and marketing spend

Word of mouth and referrals are great to get a business started, but real growth comes from advertising and marketing. Invest in trying out different marketing channels to find ones that are ROI positive. Advertising in the right places is what sets high growth rate businesses apart from small operations.

Apply for Line of Credit


7. Coronavirus costs

The pandemic has affected numerous businesses across the country. If your company has taken a financial hit as a result of COVID-19, we’ve got you covered. Funds can be allocated towards PPE costs and to help bridge cash flow gaps caused by a decline in sales.



Frequently Asked Questions about Fast Business Loans


Depending on your specific business needs, credit rating, and time in business, a short term loan or line of credit are often the easiest types of loans to qualify for. Our primary goal is always to bring clarity to complex financial decisions. So when you apply with Clarify, your dedicated lending concierge will help guide you through the various options.
You can speed up the approval process by having the following three things handy in advance: last 3 months of bank statements, know when you started the business, know your approximate credit score. When you apply for a fast loan with Clarify, your credit score is not affected at all since we only do a soft credit pull. Within 24-48 hours, we provide you the best offers from our marketplace of over 75+ lenders.
Personal credit scores range between 300 and 850. The minimum credit score you need to get approved with Clarify is 500. The better your credit score, the better interest rates and loan terms you will receive from our vetted lenders. On occasion, some business owners can be approved with a credit rating as low as 450.
Zero. There is no downpayment needed to secure financing with Clarify. Our core goal is to give business owners full transparency into the lending process so they can make better financial decisions.
Yes, the interest paid on a business term loan is indeed tax deductible. The principal amount, however, is not. Tax deductions on a loan term loan allow businesses to lower their overall cost of financing.
No, we only do a soft credit pull. A soft credit pull does not affect your credit rating in any way. When you apply to get pre-approved for funding or get an interest rate quote, Clarify only does a soft credit inquiry.
The amount of working capital you are qualified for depends on several different factors like time in business, monthly revenue, and credit rating. But it's safe to assume that you can get 100% of your monthly gross sales at the bare minimum.
No, there is no collateral needed for term loans or business lines of credit through Clarify. We provide unsecured financing, which means you don't need to put up any assets as collateral for approval!

Types of companies we've funded quickly

What you need to get approved fast

  • keyboard_arrow_right Have been in business for over 6 months
  • keyboard_arrow_right Generate at least $10,000 per month in revenue
  • keyboard_arrow_right Can provide last 3 months of bank statements

Lending advisors that are experts in getting you funded

When you choose Clarify, we consider you family -- and work with you through the ups and downs of running your small business.Manufacturing Financing Team

keyboard_arrow_right See why companies love Clarify

Fast small business loans

"I have worked with Clarify Capital to secure multiple loans for my company of the past few years. They are professional, trustworthy and efficient in all of their work. They overcame obstacles to get my company the funding they needed to continue our growth. The funding allows me to buy raw materials at a discount, improving my profitability."

Stephanie
Toy Manufacturer
New Jersey
5-star Trustpilot reviews5-star Trustpilot ratingClarify Capital is rated 10/10 based on 122 reviews on Trustpilot
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