◆ ClearValue Lending · Independent · Published methodology
Compare real financing options before you apply.
We score every loan, card, bank, and insurance product on cost, fit, speed, and how straight they are with you — one published method, same for everyone, no matter who's paying us. You read the math. You pick what fits.
For your next move
The ClearValue pick in every category.
One verified pick per category. Chosen by fit, not commissions.
Updated August 2026
Business Loans · SBA Preferred
Live Oak Bank
Top SBA 7(a) lender by dollar volume, vertical-specialty teams
Personal Loans
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Fair-credit access with broad use-case flexibility.
Business Banking
Mercury
Default pick for funded startups — $0 fee, unlimited digital, clean integrations.
Mortgages
Veterans United Home Loans
The default pick for VA loan borrowers — both rate and process.
◈ Rates moved this week
See what you'd actually qualify for.
Stop comparing twenty tabs. Your matches update with the market. Check yours in two minutes — no spam, no credit impact.
Find my best matchWhat's new in every category
ICHRA for Small Businesses: Offer Tax-Free Health Benefits Without a Group Plan (2026)
An ICHRA gives employees a monthly budget to buy their own individual health insurance — reimbursed tax-free by the employer, with no IRS contribution cap.
7 min read BlogFranchise Financing 2026: SBA Loans, Down Payments, and What Lenders Actually Check
Franchise financing uses SBA 7(a) loans, SBA 504, and business lines of credit — but your franchisor's SBA Franchise Directory eligibility and your equity injection percentage shape the whole deal.
8 min read BlogIRS Tax Extension 2026: What the October 15 Deadline Actually Means — and What It Doesn't
Form 4868 buys six more months to file — not six more months to pay. Here's exactly what's accruing if you still owe and haven't paid.
7 min readOur standards
"We rank every product the way we'd advise our own family — by fit and cost, never by who pays us."
Our 4-factor rubric (cost / fit / speed / transparency) is set by the team, not by partner commissions.
We earn when readers apply with partners we'd recommend anyway. Same commission across ranks. Read details
Every product is scored against the same published methodology — a tax-first lens on cost, because the cheapest cost of capital is the one you don't pay twice.
Good to know
Your questions, answered.
How we operate, how we stay independent, and how we make money.
Read full guides →What is ClearValue Lending?
It's a business and personal financing platform from the team behind ClearValue Tax. We write plain-English guides and put your options side by side — business loans, lines of credit, SBA, personal loans, auto, debt consolidation, refinancing — so you can see what each one really costs and pick the one that fits. We're a platform, not a lender or a bank. We don't loan the money. We help you understand it before you sign.
How does ClearValue make money?
Straight answer: when you pick a product through one of our comparisons, some partners pay us a referral fee. Costs you nothing. And it doesn't touch the ranking — every list is ordered by fit, not by who paid to be there. If the product that fits you best pays us zero, it still goes on top.
What can I compare on ClearValue?
Business and personal loans. Business and personal credit cards. Banking. Insurance — auto, home, life, renters, pet, and travel. Mortgages, small-business grants, and debt help. New categories go up all the time. Pick one at the top of the page and go.
Is ClearValue free to use?
Yes. The guides, the comparison tools, the reviews — all of it, free. No sign-up wall, no paywall. Read as much as you want.
Are your reviews and rankings independent?
Yes. Every product gets scored against our published methodology — cost, value, and whether it actually fits a real person's situation. And here's the part that matters: we publish the ClearValue verdict even when it costs us the commission. Want to see exactly how the scoring works? It's all in our ratings methodology.
Who is behind ClearValue?
The team behind ClearValue Tax, alongside co-founder Brian Kim, CPA — whose plain-English money education reaches more than 2.89 million people. Education first is the whole point: understand the decision, then make the move. Not the other way around.