Small Business Financing
Business loans matched to your file
Eight products, one application. ClearValue Lending evaluates your file and routes it to the funding partners whose underwriting criteria best fit your situation.
Revenue-based financing · Line of credit · Term loans · Equipment financing · SBA loans · Invoice factoring · Acquisition loans · Startup loans
Business loan types
Each product fits a different revenue profile, time-in-business window, and use of funds.
Revenue-Based Financing
Cash today against tomorrow's sales — funded in 24–48 hours.
See details →Business Line of Credit
Capital available before you need it — pay only for what you use.
See details →Equipment Financing
Self-collateralized financing — keep working capital where it belongs.
See details →Term Loan
Fixed amount, fixed term, fixed payments — predictable financing for major investments.
See details →SBA Loans
The longest terms and lowest rates a small business can access — when you can wait for them.
See details →Invoice Factoring
Get paid today for invoices your customers won't pay for 30–90 days.
See details →Business Acquisition Loan
Buy the business instead of building it from zero.
See details →Startup Business Loans
Financing for businesses too new for conventional underwriting.
See details →Ranges shown are illustrative across the ClearValue Lending lender network. Final pricing and terms are determined by the funding lender, not by ClearValue Lending. All financing is subject to lender underwriting.
Compare business loan types side by side
Amount, pricing, and time-to-fund for each product in the ClearValue Lending network.
| Product | Amount | Pricing | Time to fund | Qualifications | |
|---|---|---|---|---|---|
| Revenue-Based Financing | $5,000 – $500,000 | Factor rate 1.18 – 1.55 (≈ 30 – 110% effective APR depending on term) | 24 – 48 hours after signed contract | 500+ owner FICO, 6+ months in business, $10,000+ monthly business deposits | See details → |
| Business Line of Credit | $10,000 – $250,000 (partner network); higher with bank lines | 15 – 60% APR (broker-network non-bank); 7 – 25% APR (bank lines) | 1 – 7 business days for non-bank lines; 2 – 6 weeks for bank lines | 600+ owner FICO, 12+ months in business, $15,000+ monthly deposits | See details → |
| Equipment Financing | $10,000 – $1,000,000+ | 7 – 25% APR (depends on credit, equipment type, and term) | 2 – 10 business days | 600+ owner FICO, 12+ months in business; equipment vendor invoice required | See details → |
| Term Loan | $25,000 – $500,000 (partner network); larger with banks | 15 – 60% APR (alternative); 7 – 15% APR (bank) | 2 – 7 business days (alternative); 2 – 6 weeks (bank) | 650+ owner FICO, 24+ months in business, $25,000+ monthly deposits, profitable financials | See details → |
| SBA Loans | Up to $5,000,000 per program (7(a) or 504); up to $10,000,000 combined across both since July 4, 2026; $50,000 (SBA Microloan) | Roughly Prime + 3% to Prime + 6.5% on 7(a) loans, varying by loan size — smaller loans carry SBA's HIGHEST allowed spread, larger/longer-maturity loans the lowest (variable; check current rates at sba.gov) | 30 – 90 days (45–60 with a Preferred Lender) | 680+ owner FICO, 24+ months in business, profitable financials, full documentation, U.S. citizen/permanent resident ownership | See details → |
| Invoice Factoring | $10,000 – $5,000,000+ (facility size scales with AR volume) | Discount rate ≈ 1% – 5% per 30 days factored (varies with customer credit and invoice age) | 24 – 48 hours per invoice once a facility is live; initial facility setup 3 – 5 business days | Not heavily FICO-weighted; 3+ months in business, $10,000+ in monthly B2B invoices to creditworthy commercial customers | See details → |
| Business Acquisition Loan | $150,000 – $5,000,000+ (SBA 7(a)); smaller deals via conventional or seller financing | Roughly Prime + 6% (loans $150K–$250K) down to Prime + 3.0% (loans over $350,000 with 7+ year terms) on SBA 7(a) acquisition loans (variable; check current rates at sba.gov) | 45 – 90 days from signed LOI to close (30 – 60 at a Preferred Lender with a clean file) | 680+ buyer FICO, relevant industry or management experience, target business profitable trailing 2–3 years, typically 10%+ buyer equity injection | See details → |
| Startup Business Loans | $500 – $50,000 (SBA Microloan); up to $250,000 (SBA Community Advantage, through currently-participating lenders) | SBA Microloan ≈ 8% – 13% APR (set by the CDFI intermediary); SBA Community Advantage uses standard 7(a) rate caps — roughly Prime + 6.5%–8% under $50,000 and Prime + 6%–7% for $50,000 – $250,000 (confirm current Prime at federalreserve.gov/releases/h15) | 2 – 8 weeks through a CDFI intermediary or Community Advantage lender | No 2-year time-in-business requirement; 575+ FICO typical Microloan floor; business plan quality, market viability, and owner experience weighted alongside credit | See details → |
Ranges shown are illustrative across the ClearValue Lending lender network. Final pricing and terms are determined by the funding lender, not by ClearValue Lending.
Loan mechanics that actually matter
Factor rate vs. APR — the number that actually matters
Revenue-based financing (MCA) is priced with a factor rate, not an APR — and the two aren't interchangeable. On a $50,000 advance at a 1.28 factor over 9 months, total payback is $64,000 (a $14,000 cost of capital), which works out to roughly 75% effective APR. The same 1.28 factor stretched over 18 months instead prices closer to 37% effective APR — term length drives the comparable rate more than the factor number does. Always convert factor to effective APR before comparing offers or signing. See the full MCA pricing breakdown.
Stacking risk — why a second advance compounds fast
Stacking — taking a second MCA before the first is paid off — is one of the most common ways a healthy file ends up cash-flow-strangled. A first advance debiting roughly 8–12% of daily deposits, plus a second (usually higher-priced, second-position) advance debiting another 6–10%, can pull 14%+ of revenue before payroll, rent, or COGS — against net margins that run 5–15% for many small businesses. Once combined daily debits exceed ~15% of average daily revenue, the math is broken. Most first-position MCA contracts also include a no-stacking clause that lets the funder declare default if a second advance is taken. Full breakdown: why stacking loans can destroy your business.
State disclosure law — what providers are required to show you
Because an MCA is legally structured as a purchase of future receivables rather than a loan, federal Truth in Lending Act APR-disclosure rules don't apply to it the way they do to consumer credit. States have stepped in with their own commercial-financing disclosure laws: California (SB 1235) and New York's Commercial Finance Disclosure Law both require providers to show an APR-equivalent rate on small-business financing offers. A growing number of other states have enacted their own commercial-financing disclosure requirements — the exact state list and the specific metric mandated (a full APR, a total cost of capital figure, or a simpler itemized disclosure) keep changing as more legislatures act, so confirm your own state's current requirement rather than assuming a uniform national standard. New York separately amended its confession-of-judgment statute (CPLR 3218) in 2019 to bar New York courts from entering a confession of judgment against a business that isn't a New York resident, closing the loophole MCA funders had used to file against out-of-state businesses in New York courts.
Browse by your situation
Not sure which loan type fits? Find financing matched to your industry, city, credit score, or state.
Financing matched to your business type — cash flow patterns, underwriting signals, and product fit by industry.
See all by industry →Local financing guides for 200+ U.S. markets — state disclosure rules, lender density, and city-specific context.
See all by city →Honest product guidance at each FICO tier — what you qualify for, what it costs, and how to build toward better terms.
See all by credit score →Bad-credit business loan options in all 50 states — state-specific disclosure laws, lender rules, and routing context.
See all by state →Ready to see what you qualify for?
ClearValue Lending reviews your file and routes it to the funding partners most likely to fund your situation. One application, matched to the right funding partners.
Start an application →Business loan questions, answered
What types of business loans does ClearValue Lending route? ⌄
ClearValue Lending works across eight core financing categories: revenue-based financing (merchant cash advance), business line of credit, term loans, equipment financing, SBA loans, invoice factoring, business acquisition loans, and startup business loans. We route your application to the funding partners whose underwriting criteria best matches your file — more than one may review it and reach out.
What does it take to qualify for a business loan? ⌄
Qualification varies by product. Most revenue-based financing (MCA) requires 500+ owner FICO, 6+ months in business, and $10,000+ in monthly deposits. Lines of credit typically start at 600+ FICO and 12+ months. Term loans generally require 650+ FICO and 24+ months. SBA loans need 680+ FICO, 24+ months, and full tax-return documentation.
How fast can a business loan fund? ⌄
Revenue-based financing and lines of credit can fund in 24–72 hours after document submission. Equipment financing typically takes 2–10 business days. Term loans run 2–7 business days for alternative lenders, 2–6 weeks for bank-tier. SBA loans are the slowest — 30–90 days — but offer the best rates and terms for files that qualify.
Does ClearValue Lending originate loans directly? ⌄
No. ClearValue Lending is a funding platform, not a lender. We evaluate your file, route it to the funding partners whose underwriting criteria fit your situation, and facilitate the introduction. The funding partner that makes you an offer originates, underwrites, and funds the loan.
What credit score do I need for a small business loan? ⌄
The floor depends on the product. Revenue-based financing can approve at 500+ FICO. Lines of credit typically start at 600+. Term loans and equipment financing usually need 600–650+. SBA loans generally require 680+.
How does ClearValue Lending route my file to a funding partner? ⌄
We review the key signals — owner FICO, monthly deposits, time in business, existing debt positions, industry, and use of funds — against the underwriting criteria of our full lender network, then route your application to the funding partners most likely to fund based on that match.
Content scored against ClearValue's published methodology. ClearValue Lending is a funding platform, not a lender. We route applications to lender partners — we do not originate, underwrite, or fund loans directly. All financing products are subject to lender underwriting, eligibility review, and final approval. Ranges shown are illustrative and do not constitute a quote or commitment.