About ClearValue Lending
The only funding platform with a CPA's name on it.
Independent reviews, real numbers, and matches to the lenders that fit — built by the team behind ClearValue Tax.
A business & personal financing platform co-founded by financial educator Brian Kim (@clearvaluetax9382). Plain-English reviews, the ClearValue verdict ranked by fit, and lending guidance across business financing, personal loans, auto, debt consolidation, and refinancing.
The plain-language version
What we are
- A business & personal financing platform — business loans, personal loans, and refinancing.
- A funding platform that routes qualifying business applications to lender partners.
- An education platform producing plain-English reviews, verdicts, and decision guides.
What we are not
- Not a lender — we don't originate, underwrite, or fund loans.
- Not a broker — our lender partners do their own underwriting and pricing.
- Not a financial advisor — content is educational, not personalized advice.
Why he co-founded ClearValue Lending
Through his financial-education work, Brian heard from the same people every day — business owners turned away by banks and buried in fine print, and consumers trying to compare personal loans, auto financing, debt payoff, and refinancing with scattered, contradictory, or paywalled information.
ClearValue Lending is the answer: a business & personal financing platform — not a lender, and not a sales floor — that researches the options, publishes the ClearValue verdict ranked by fit (never by who pays), and points people to the right next step.
How we hold this content to a standard.
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Primary sources
Every answer page cites primary sources (SBA, IRS, Federal Reserve, CFPB, FTC, U.S. Courts) where the underlying rule or program is defined.
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Quarterly refresh
Pricing ranges, FICO floors, and time-in-business minimums reflect current observations across our lender partner network and are reviewed at least quarterly.
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Educational, not advice
Content is educational and is not personalized financial, tax, or legal advice.
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Corrections welcome
Errors or out-of-date information can be reported to hello@clearvaluemoney.com.
Four commitments that shape every page.
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Disclosure First
Pricing, rates, fees, and terms come from the source itself — in writing — before you commit. No surprises buried in fine print.
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Right-Fit, Not Highest-Commission
For business funding, we route your application to the lender partner best positioned to fund it. For everything else, we rank options independently by fit.
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Independence-First
We're a platform, not a sales floor. Rankings go by fit, never by who pays — we publish the ClearValue verdict even when it costs us a commission.
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Education First
Most of this site is decision frameworks, product explainers, and rate snapshots — because the right financing decision starts with understanding the options.