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.
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.