ClearValue Lending
Money, made clear.
Compare your financing options — ranked by fit, not by who pays.
- Compare financing options across lenders
- Find the option that fits your situation
- No confusing fine print — the tradeoffs, in plain English
Start here
What are you looking to finance?
Free · No SSN to start · No hard pull to compare · Not shared until you choose
◆ Brian's Focus
The average card is a 20%+ loan.
A 0% balance-transfer card can be the escape hatch (Fed G.19).
Compare balance-transfer cards →2.89M
Audience reached by our founder, Brian Kim, CPA
721
Products scored across lending categories
4-factor
Published ranking methodology →
$0
To compare — free to use, no SSN to start
We may earn a referral fee when you choose a partner — it never changes the ranking or which products we cover. How we make money.
Same need. Different ways to fund it.
The same $25,000 costs very differently depending on how you borrow it.
Same goal, different ways to fund it — see the real tradeoff before you choose. Example: $25,000 for a home improvement.
- APR
- ~8–24%
- Secured
- No
- Speed
- 1–5 days
Higher rate, but fast and no collateral
- APR
- ~8–10% var.
- Secured
- Home
- Speed
- 2–6 weeks
Lower rate, but variable and secured by your home
- APR
- ~8–9% fixed
- Secured
- Home
- Speed
- 2–6 weeks
Fixed and low, but a closing process + home is collateral
- APR
- 0% intro → 20%+
- Secured
- No
- Speed
- Same day–1 wk
No interest if repaid within the intro window (transfer fees apply); steep after
Illustrative ranges (Aug 2026), not an offer — your actual rate depends on your profile.
Start with your goal
What are you trying to do?
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
Upgrade
Fair-credit access with broad use-case flexibility.
Auto Loans
PenFed Auto Loan
Competitive credit-union rates — open membership, widest loan-amount range in market.
Home Equity & HELOC
Discover Home Loans — Home Equity Loan
No origination, appraisal, or application fees on home equity loans.
◈ Rates moved this week
Compare options that fit your situation.
Stop comparing twenty tabs. Your matches update with the market. Check yours in two minutes — no spam, ever.
Find options that fitWhat's new in every category
Small Business Loan Statistics 2026: SBA and Federal Reserve Data
Approval rates by lender type, SBA loan volume, average loan size, and the current rate environment — every statistic on this page is sourced to the SBA or the Federal Reserve's Small Business Credit Survey, with no fabricated figures.
7 min read BlogSmall Business Grants for Minority- and Women-Owned Businesses: A 2026 Sourcing Guide
Real funding paths for minority- and women-owned businesses: SBA 8(a) and WOSB federal contracting, NMSDC and WBENC corporate certification, and direct cash grants like the Amber Grant — with an FTC scam warning and no fabricated award figures.
10 min read PickBest Alternative Business Lenders 2026
Seven alternative business lenders and one broker/marketplace worth comparing in 2026 for revenue-based financing (MCA), working-capital term loans, and lines of credit. ClearValue Lending is a comparison and referral platform, not a lender — every figure here is sourced at the lender itself.
10 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.