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 lenders fund businesses that 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 get you approved and funded within 24 to 48 hours. You maintain full equity ownership of your company, and there’s no collateral needed to secure financing.

We founded Clarify with a simple mission — to help business owners, startups, and entrepreneurs pursue the American dream with the working capital they need to execute! When you apply for a small business loan, 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 loan options to explore when applying for funding options for your company. With online lenders offering various solutions, how do you make the best choice? That’s where our business lending advisers come in. We walk you through all your options to help you get funded with the best rates and terms possible.

Below, you’ll find nontraditional loan products. These differ from bank loans, loans from credit unions, or SBA loans from the U.S. Small Business Administration (SBA). While certain types of loans may not be ideal for purchases like commercial real estate, they could be ideal for different short-term business needs.

Clarify has helped many business owners through the loan application process, qualifying them with favorable interest rates and repayment terms respective to their eligibility and credit history. Some of the most common short-term loans are:

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 specific loan amount at a fixed interest rate paid over a specified term length, typically in monthly payments. There’s no need for 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 receivable. This type of funding allows you to get instant cash flow even if your personal credit score reflects bad credit.

Business Line of Credit

Think of a line of credit as a business credit card without the higher interest rates. You only pay interest on funds utilized for business expenses, inventory and purchases, or payroll. APRs for credit lines start as low as 6%.

Merchant Cash Advance

A merchant cash advance (MCA) allows you to borrow money for a percentage of your future business sales. It’s a good option to bridge gaps in cash flow and quickly handle unexpected funding needs. Instead of using your existing funds, you repay the loan when your company generates future revenue.

Private Business Loan Uses

Nontraditional loan programs can be used for various business-related expenses. Here are some ways the small business owners we’ve funded have used financing.

Marketing & Advertising.

Getting the word out about your company is a huge part of driving revenue, especially for new businesses. 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 toward buying and purchase orders. That way, you have the goods you need to keep things running smoothly.

Operational Expenses

Day-to-day expenses must be paid, even when 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 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 as equipment financing to purchase new and used equipment, so you have what you need to achieve your goals.

Business loans at a glance

  • check 6 to 24-month terms
  • check Funding in 1 to 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 225 reviews on Trustpilot

Ready To Get Your Business Funded?

Get preapproved for a private business loan today and have funding in the bank in as little as one business day. Prequalify without affecting your credit! The application process takes less than two minutes.