Small Business Financing — apply online with ClearValue Lending

Get matched to small business financing — working capital, a line of credit, a term loan, SBA, or equipment financing. Apply once and we route your file to the funding partners most likely to fund it; only a soft credit pull to start, so checking won't affect your credit score.

Quick answer: Apply once and ClearValue Lending routes your file to the funding partners most likely to fund it — working capital, line of credit, term loan, SBA, or equipment. About 5 minutes, soft credit pull to start.

Financing we match you with

• Working capital
• Business line of credit
• Term loans
• SBA loans
• Equipment financing

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: SBA 7(a) generally prefers 24+ months; some bank lenders flex to 12+. Newer businesses fit alternative and revenue-based products.
• Owner credit: most bank/SBA lenders look for a personal FICO around 680+ (some flex to 660). Lower-credit files route to non-bank products instead.
• Monthly revenue: SBA debt-service analysis typically wants $25K+/month for meaningful 7(a) capacity. Below that, microloans and revenue-based options fit better.
• Existing debt load: two or more open merchant cash advances reads as distress to bank/SBA 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. Want a personalized read first? Take the free funding readiness check.

How it works

• Tell us about your business and how much you need — about 5 minutes.
• We match your application to the partner lender most likely to fund your file.
• Only a soft credit pull to start, so checking won't affect your credit score.
• You're never obligated to accept — you choose what fits.

ClearValue Lending is a business & personal financing platform — not a lender, bank, or financial advisor. We match your application to funding partners; a partner may pay us a referral fee, which never changes who we match you with.

Part of the ClearValue family