Small Business Financing — apply online with ClearValue Lending
Free · takes 10 seconds · no credit check
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Good to know
What lenders in our network look for
These are directional guidelines, not a hard cutoff — the network spans SBA and bank-grade lenders through alternative and revenue-based products, so a range of files fund.
Time in business
Many bank lenders like 24+ months in business; some flex to 12+. Newer businesses fit alternative and revenue-based products.
Owner credit
Most bank lenders look for a personal FICO around 680+ (some flex to 660). Lower-credit files route to non-bank products instead.
Monthly revenue
Larger term loans generally want $25K+/month in revenue for meaningful capacity. Below that, microloans and revenue-based options fit better.
Existing debt load
Two or more open merchant cash advances reads as distress to most underwriters. A single open advance is generally workable.
Don't check every box? Apply anyway — we route your file to the partners whose underwriting fits it, including products for newer or lower-credit businesses. Want a personalized read first? Take the free funding readiness check.
Start your application →Explore before you apply
Financing by industry
See funding ranges and typical products for your industry.
Compare business loan types
Working capital, line of credit, term loans, SBA, and equipment financing.
SBA loan approval odds
What SBA underwriters actually look for, by program.
Quick answers
Short, sourced answers to common financing questions.
Our Commitment
Built to Protect What You've Built
Privacy & Security
We treat your business and personal information as confidential, with industry-standard safeguards in transit and at rest.
One Application, Multiple Lenders
You submit once and we route your file to the funding partners whose underwriting criteria best fit your situation — so more than one lender can compete to fund you.
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Your questions, answered.
How we operate, how we stay independent, and how we make money.
Read full guides →Getting started is straightforward. Complete our short online application in about 5 minutes — no hard credit pull to apply. Most files get a decision as fast as the same business day; bank and SBA loans run longer.
Most working-capital products require at least 6 months in business, $10,000+ in monthly business deposits, and a 500+ owner credit score. Bank-tier products (term loans, lines of credit, SBA) require longer operating history and stronger credit. Minimums vary by lender.
Funding amounts range from $5,000 to $500,000 depending on your business revenue, time in business, credit score, and industry. Our calculator above can give you an estimate — actual offers come from the lender after underwriting.
Funds are for business use — common purposes include inventory, equipment, payroll, marketing, expansion, and managing cash flow. Specific lender restrictions may apply.
Working-capital and MCA decisions typically come back the same business day, with funding 24–72 hours after approval. Equipment financing funds in 2–10 business days; bank term loans run 2–6 weeks; SBA loans run 30–90 days.
Repayment is a fixed daily or weekly amount set at funding. For revenue-based financing (MCA), total payback is determined by a factor rate disclosed in your offer along with the term and any fees, so you see the full cost before you accept. Term loans and lines of credit use APR-based pricing with monthly payments.
ClearValue Lending is a funding platform — not a lender, broker, or financial advisor. We evaluate lender partners against our standards and route your application to the partners most likely to fund based on your profile. The lender originates, underwrites, and presents the offer directly to you. See how it works or read about us.