Best Private Business Loans

  • Get up to $750K in financing
  • Repayment terms up to 2 years
  • Lowest interest rates starting at 7%
  • Instant online approval within minutes
  • Flexible payment schedule based on your needs
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Private Business Funding

Private funding by alternative lenders for businesses who need capital to meet cash flow demands. Grow your business to what you always envisioned.

Private Business Funding Made Simple & Transparent

Funding secured through alternative lenders, instead of a traditional bank, is called a private business loan. Clarify is a marketplace of 75+ alternative lending companies that compete to offer you the best rates and terms. When lenders compete, you win!

Our streamlined application and underwriting process gets your approved and funded within 24-48 hours. You maintain full equity ownership of your company and there is no collateral needed to secure financing.

We founded Clarify with a simple mission -- to help business owners pursue the American dream with the financial backing they need to execute! When you apply for a private loan with us, we learn about your specific needs and do all the legwork to make the funding process as effortless as possible.

4 Best Private Business Financing Options

There are numerous lending options to explore when applying for a private loan for your company. With alternative lenders offering a wide array of solutions available, how do you make the best choice? That's where our lending advisors come in. We walk you through all your options to help you get funded with the best rates and terms possible. Here are the most common private funding loan types business owners go with:

Short-Term Business Loan

A term loan is the most traditional type of funding similar to a loan secured from a banking institution. You borrow a fixed amount of capital at a fixed interest rate that is paid over a specified term length. There is no need for any collateral with an alternative loan from Clarify!

Invoice Factoring

Also referred to as Invoice Financing, factoring lets you get an upfront payment for outstanding accounts receivables. This type of funding is a flexible option to get instant cash flow regardless of your personal credit score.

Business Line of Credit

Think of a line of credit as a credit card with a much lower interest rate. Interest is only charged on funds that are utilized and can be used for any business expenses, inventory and purchases, or payroll. APRs for credit lines start as low as 6%.

Merchant Cash Advance

MCA allows you to borrow money in exchange for a percentage of your future business sales. They are a good option to bridge gaps in cash flow and quickly handle unexpected funding needs. Instead of using your existing funds, you pay back the loan when your company generates future revenue.

Private Business Loan Uses:

Non-traditional loans can be used for a variety of business-related expenses. Here are some ways the business owners we’ve funded have used financing:

Marketing & Advertising:

Getting the word out about your company is a huge part of driving revenue. Loans can be used for marketing and ad spend, allowing you to invest in the future of your small business.


Financing can free up capital to be used towards buying and purchase orders. That way, you have the goods you need to keep things running smoothly.

Operational Expenses:

Day-to-day expenses need to be paid, even when you’re experiencing a cash flow shortfall.

Coronavirus Hardships:

The pandemic has put financial pressure on many small businesses. Whether you need PPE and sanitary supplies, or need an additional cash buffer to keep the lights on, we’ve got you covered.

Equipment & Machinery:

All types of businesses require equipment and machinery to conduct business. Private loans can be used to purchase both new and used equipment, so you have what you need to achieve your goals.

Business loans at a glance

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


  • keyboard_arrow_right 6+ months in business
  • keyboard_arrow_right 550+ 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 advisor will walk you through it!
Private Business Funding

"Bryan and his team spent the time to understand our need for an alternative private loan, and also went above and beyond to ensure the transaction and underwriting was as smooth as possible. We got a special rate and pay back terms due to how long my practice has been in business. Highly recommend Clarify over a bank!"

Plastic Surgeon
5-star Trustpilot reviews5-star Trustpilot ratingClarify Capital is rated 10/10 based on 196 reviews on Trustpilot

Ready To Get Your Business Funded?

Get pre-approved for a private business loan today and have funding in the bank within 24 hours. Prequalify without affecting your credit! Application process takes less than 2 minutes.