Small Business Financing — apply online with ClearValue Lending
Check your approval odds
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- Free to use
- Soft credit pull to start
Compare the 4 options
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SBA Loans
- Credit
- 680+
- In business
- 2+ yrs
- Funding
- 30–90 days
Best for: Real estate, acquisitions, expansion
Details
- Typical requirements
- Lenders typically ask for 680+ owner FICO, 24+ months in business, profitable financials and full documentation (SBA itself sets no minimum score); SBA requires 100% U.S. citizen or U.S. national ownership (since March 1, 2026)
- Time to funding
- 30 – 90 days (45–60 with a Preferred Lender)
- Pros and cons
- Pro: The longest terms and lowest rates a small business can access
Con: Time-sensitive opportunities
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Term Loan
- Credit
- 650+
- In business
- 2+ yrs
- Funding
- 2 days–6 wks
Best for: Major one-time investments
Details
- Typical requirements
- 650+ owner FICO, 24+ months in business, $25,000+ monthly deposits, profitable financials
- Time to funding
- 2 – 7 business days (alternative); 2 – 6 weeks (bank)
- Pros and cons
- Pro: Fixed amount, fixed term, fixed payments
Con: Recurring or unpredictable capital needs
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Business Line of Credit
- Credit
- 600+
- In business
- 12+ mo
- Funding
- 1 day–6 wks
Best for: Recurring or seasonal cash needs
Details
- Typical requirements
- 600+ owner FICO, 12+ months in business, $15,000+ monthly deposits
- Time to funding
- 1 – 7 business days for non-bank lines; 2 – 6 weeks for bank lines
- Pros and cons
- Pro: Capital available before you need it
Con: Sub-six-month-old businesses
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Revenue-Based Financing
- Credit
- 500+
- In business
- 6+ mo
- Funding
- 24–48 hrs
Best for: Strong sales, thin credit
Details
- Typical requirements
- 500+ owner FICO, 6+ months in business, $10,000+ monthly business deposits
- Time to funding
- 24 – 48 hours after signed contract
- Pros and cons
- Pro: Cash today against tomorrow's sales
Con: Long-horizon investments where a longer, cheaper loan is available
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.
Start your application →A Simple Process for Impactful Funding
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Start Application
Complete our short, secure application — about 5 minutes, with no hard credit pull at the application stage.
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Get Matched to Partners
We send your request to the funding partners whose criteria fit your profile. More than one may review your file and reach out.
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Compare Offers
Interested funding partners contact you directly. Pricing, term, and payment schedule come in writing from the funding source.
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Choose & Get Funded
If an offer fits, you accept and sign with that funding partner. They fund directly to your business account.
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.
Good to know
Your questions, answered.
How we operate, how we stay independent, and how we make money.
How Do I Get Started with ClearValue Lending?
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.
What are the Eligibility Requirements?
Requirements vary by product tier. Working-capital and revenue-based products are the most flexible — generally 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) want more: 12–24+ months in business, a personal FICO around 680+ (some lenders flex to 660), and $25,000+ in monthly revenue. Exact minimums vary by lender — apply and we route your file to the partners whose underwriting fits it.
How Much Can I Qualify For?
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.
What Can I Use the Funds For?
Funds are for business use — common purposes include inventory, equipment, payroll, marketing, expansion, and managing cash flow. Specific lender restrictions may apply.
How Long Does Approval Take?
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.
What Are the Repayment Terms?
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.
Follow our Co-founder: Brian Kim
Brian Kim, CPA, explains small business financing in plain English — what lenders look for, what offers really cost, and when to wait.
Explore your funding options
Start your applicationApplying is free and starts with a soft credit pull — no impact to your score.
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.