Small Business Loans

  • Get up to $750,000 within 24 hours
  • APRs starting at 7%
  • Easy approval process
  • Flexible terms tailored to your business goals
  • No collateral needed
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Video: Getting a small business loan.

How Do Small Business Loans Work?

Whether you're a startup just launching a new venture, or an established business, having working capital is essential for growth and survival. Every company can experience a slow business cycle or have capital needs for positive cash flow.

Our mission at Clarify is to help business owners pursue the American dream with funding they need to meet current financing requirements, bridge gaps in cash flow, and deal with any unanticipated business expenses.

A term loan or line of credit can provide the working capital needed while ensuring your accounts payable remains intact.

Benefits of Business Loans

Every business needs working capital to grow and become successful. You could borrow it from friends & family, get an equity partner, or apply for a small business loan. Each option has its pros and cons. Speak to any business owner and they'll tell you that a small business loan is almost always your best option. Why?...


Running a business is complex enough. Getting funding shouldn't be. Small business financing through Clarify Capital is quick and easy. We guide you through the entire process.

Low interest rates

We strive to get you the best deal possible. Whether you have good credit or bad credit, your Clarify advisor will work to get you the lowest interest rate possible. Your best interest is our core focus.

Different loan options

Depending on your business goals, there are many different loan options to pick from. Term loans, line of credit, equipment financing, the list goes on. Later in this guide we'll cover each one.

Tax benefits

The interest that you pay on a small business loan is tax deductible. That further reduces the cost and helps you achieve success sooner.

You keep all equity

You work hard to make your business a success. So you should keep all the equity and profit from the upside. With a business loan you still maintain full ownership of your company and call all the shots.

Types of Business Loans

Here are the most popular types of loans we offer. Let’s walk through each one and see what’s best for your specific needs. All loans fall into two main categories: unsecured and secured.

Unsecured Business Loans

You do not need to put up collateral to get an unsecured loan. A borrower can get capital without the risk of offering up personal or business property. This type of financing is popular since it reduces risk.

Apply for an Unsecured Loan

Secured Business Loans

With secured loans, you provide collateral for a lender to get funding. Since it lowers the risk for a lender (but more risk for you), you can usually get a lower interest rate. Based on your needs and financial situation, secured business loans can be a great way to get funded.

Apply for a Secured Loan

Small Business Loans

"I highly recommend working with Clarify. The process is always very seamless with a quick turnaround time. I received the first loan for my company from Michael several years ago to buy inventory at a better cost. Since then, my company has grown significantly, and Michael has been there every step of the way. I’m looking forward to continuing my relationship with them for many years to come."

Golf Cart Retailer
5-star Trustpilot reviews5-star Trustpilot ratingClarify Capital is rated 10/10 based on 139 reviews on Trustpilot

How to Get the Best Business Loan

There's a lot of loan options to pick from when securing financing for your business.

Not to worry -- that's what makes us different. We learn about what your needs are and guide you in choosing the best small business loan that's right for you.

Let's go over the process to get the best loan for you.

Figuring Out What You Need

The goal is to figure out why you need funding, how you will use it, and the loan amount you should be seeking.

Step 1: Why do you need a business loan?

It's always a good idea to understand how you will use the financing from a business standpoint. Each type of loan serves specific business purposes.

Here are some reasons businesses choose get a small business loan:

  • Coronavirus and pandemic assistance
  • Growth opportunities
  • Gap in accounts receivables vs. payables
  • Short-term operational costs
  • Emergency repairs
  • Equipment purchases
  • Material purchases
  • Operating expenses
  • Hiring new employees, training & education
  • Payroll & taxes
  • Opening a new location
  • Advertising & marketing
  • Refinance existing debt
  • Store improvements / renovations
  • Overcoming unanticipated business expenses

Step 2: Identify how much you need to borrow

Once you've figured out why you need to borrow money, the next step is identifying the loan amount.

We'd all love to get $50 trillion dollars. But the best way to go about it is understanding how much you need to achieve your business goals.

Here's one way to figure that out:

Take your list of reasons from step 1 above. Jot down how much each item would cost. Try to be as realistic with the expenses as possible.

Add them up, and see your loan options.

How to Qualify for a Business Loan

Qualification requirements vary between the different types of business loans. For a term loan, here's what you need to know to secure financing: time in business, your annual revenue, your credit score.

1. How long have you been in business?

For short term loans, you should have been in business for at least 6 months. The time in business is a risk assessment signal for lenders. The longer your business has been operational, the lower the risk for lending companies to provide you funding.

2. What is your annual or monthly revenue?

Your incoming cash flow helps lenders decide the maximum amount of capital you can qualify for. Most lenders require your business to generate at least $120K annually ($10K a month) to qualify for term loans.

3. What is your credit score?

There are loan options available for both good and bad credit scores. Lenders use your credit history to determine the interest rate to offer on your financing. The higher your credit rating, the lower interest rate you will get. To qualify for a term loan, you should have a credit rating of 550 and above.

Prequalify for a Business Loan

Frequently Asked Questions about Small Business Loans

You can apply for a small business loan in just a few easy steps. Simply fill out an application online and a Clarify lending advisor will help guide you through the entire process.
Lenders look at a few main factors to determine eligibility. For the best odds of approval, you’ll want to have a credit score of over 550, have been in business for at least 6 months, and a monthly revenue of at least 10k.
Interest rates depend on a number of factors, with credit score typically being a main consideration. At Clarify, we offer competitive financing. Interest rates start as low as 7% APR.
The term length depends on the type of loan and your specific requirements. At Clarify, we can work with you to find a loan duration that’s a good match for your needs. On average, the range is between 1 to 3 years long.

Small business loans at a glance

  • check 6 – 36 month terms
  • check Funding in as little as 24 hours
  • check No personal credit requirements
  • check No collateral requirements
  • check Opportunities to build business credit
  • check Minimal documentation required
  • check Flexible re-payments (daily, weekly, bi-monthly & monthly)


  • keyboard_arrow_right 6 months in business
  • keyboard_arrow_right $10,000 per month in revenue
  • keyboard_arrow_right All types of businesses

Note: These are general loan qualifications. Other information might be considered during your small business loan application. Your dedicated Clarify advisor will guide you through it!

Dedicated experts in small business financing

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

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Ready To Grow Your Business?

Get approved for small business financing today and have money in your account within as little as 24 hours. No obligation -- prequalify without affecting your credit!