Clarify Capital operates as a business lending marketplace rather than a direct lender. The company positions itself as an intermediary that connects small business owners with a network of 75+ lenders to source competitive business financing options. Founded on the principle of treating small business owners like family, Clarify has built a customer base of 40,000+ business owners seeking fast, listed funding.
Clarify offers multiple financing products including business term loans, lines of credit, SBA loans, equipment financing, invoice factoring, and merchant cash advances. The company structures its service around a dedicated loan advisor model, where each applicant is matched with a personal advisor who guides them through the selection and approval process. The platform emphasizes speed, with a 2-minute online application, provider-stated same-day approval timing claims, and funding within 1-2 business days. Loan amounts range from modest working capital needs up to $5 million, with APRs starting at 6%.
Clarify distinguishes itself through its advisor-driven approach and emphasis on personalization. Unlike fully automated lending platforms, the company assigns dedicated advisors to handle the application-to-funding journey. The marketplace model allows them to present multiple financing options rather than pushing a single product type. They explicitly state they can work with applicants who have credit scores as low as 500, though better rates require higher credit scores. The company also emphasizes that their initial credit check "won't impact your credit."
The main limitation is that Clarify is not a direct lender but a marketplace, meaning actual loan terms, eligibility fields, and funding timelines depend entirely on which of their 75+ partner lenders you match with. While they claim provider-stated same-day approval timing and 1-2 day funding, this is conditional on credit score thresholds (550+ specifically mentioned for provider-stated funding timing). Minimum business requirements are strict: $10K monthly revenue, 6+ months operating history, and a U.S. location. The APR starting rate of 6% is likely only available to applicants with excellent credit and strong business financials.
