How ClearValue Works
A clear, direct way to find business financing. One application, routed to the funding partners most likely to fund your file.
Why Most Business Financing Advice Fails
The business financing industry is broken. Here's what you're up against.
Each Direct Lender Has a Narrow Box
Banks and direct lenders fund the profiles they specialize in. A file that doesn't match one lender's eligibility window may still be a great fit with another funding partner in the network.
Fit Beats Volume
ClearValue routes your file to the funding partners best matched to your specific cash flow, profile, and use of funds — not blasted to everyone in the network.
Owners Deserve Clarity
Capital decisions should be informed by clear product explainers, real eligibility math, and decision frameworks — most of which is what this site is built around.
How ClearValue Stays Aligned With You
ClearValue Lending is a business & personal financing platform. For business funding, we match owners with the right-fit lender in our curated partner network; for personal products, we rank independently by fit.
What We Do
- ✓ Match your profile to the right product (revenue-based financing, line of credit, term loan, equipment, SBA)
- ✓ Route your application to the funding partners in our network best matched to your file — not blast it to everyone
- ✓ Maintain a vetted partner network so the funder on the other end is licensed and legitimate
- ✓ Maintain consistent eligibility criteria and disclosures across every surface so you see the same numbers wherever you land
What We Don't Do
- ✕ Sell your contact info outside our vetted funding partner network
- ✕ Pretend to be the licensed funder — pricing comes from the funding partner directly
- ✕ Charge you a fee
- ✕ Push only one type of financing
- ✕ Hide our compensation
The Process: Simple & Transparent
Tell Us About Your Business
Complete our short, secure application — about 5 minutes. We collect basic business information and the personal information lenders need to evaluate your file (including SSN), with no hard credit pull at the application stage.
We Route You to the Right Funding Partners
Our system evaluates your profile against the qualification criteria of our funding partner network and routes your application to the funding partners most likely to fund it — more than one may review your file and reach out.
Funding Partners Present Offers
The funding partners that want your file contact you directly with their offers. They're licensed to discuss pricing, factor rate, and payment schedule — so the terms come in writing from the funding source itself.
Choose & Get Funded
If an offer fits, you accept and sign with that funding partner. They fund directly to your business account.
What Happens Behind the Scenes
When you submit your application, our system instantly evaluates your profile against criteria from our funding partner network — monthly revenue, time in business, industry, credit profile, and capital need.
That evaluation produces a routing decision: the funding partners most likely to fund your file. We route your application to those best-matched partners — more than one may review it and reach out — not to our entire network.
Each funding partner that wants your file — licensed to discuss financing terms in your state — contacts you directly with their offer. Pricing, factor rate, payment schedule, and fees come from the funding source itself, in writing, before you sign.
Our model only works when the match actually fits — which is why we route you to the handful of funding partners best suited to your file, not blast it to every lender in our network.
Fit matters because outcomes on an unmatched application are genuinely mixed: in the Federal Reserve's 2026 Report on Employer Firms, 42% of applicants received the full amount of financing they sought, 36% received a partial amount, and 22% received none at all — the same survey found approval odds vary significantly by lender type. That's the gap a routing decision is meant to close. The SBA alone guaranteed 84,400 7(a) and 504 loans worth $44.8 billion in FY2025 — real capital moving through underwriting criteria similar to what our funding partner network applies to every file we route.