Clarify Capital
Loan marketplace, not a direct lender: one free application to 75+ lenders for $5,000 to $5,000,000. APR from 6%, 500+ credit, 6 months in business, funds in as little as 24 hours.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses with 6+ months of history, $10,000 a month in deposits and a 500+ score that want an advisor to shop 75+ lenders, from cash advances to SBA loans.
Not for: Owners who want a named lender and firm price before talking to a salesperson, or published terms on payment relief and liens.
Lender List verdict: Clarify Capital is a loan marketplace, not a direct lender: it charges you nothing and is paid by the partner that funds you. Prices run from 6% APR on strong term loans to factor rates of 1.45 on cash advances; the offer you accept sets your cost.
Clarify Capital at a glance
Clarify Capital is a New York loan marketplace that matches small businesses with 75+ lenders for $5,000 to $5,000,000.
| Clarify Capital | |
|---|---|
| Lender type | Loan marketplace, not a direct lender |
| Founded | Not published; claims 10+ years in business |
| HQ | 550 7th Ave, Suite 402, New York, NY |
| Parent/owner | Clarify Capital LLC; co-founders Michael Baynes and Bryan Gerson |
| Products | Seven types, from term loans to cash advances |
| Amounts | $5,000 to $5,000,000, depending on product |
| Cost (headline) | APR from 6%; cash-advance factor rates 1.08 to 1.45; no fee from Clarify |
| Term | 6 to 60 months on term loans; SBA up to 25 years |
| Funding speed | Funds in as little as 24 hours; 1 to 2 days on most products; SBA 30 to 90 days |
| Status | Active (2026-10-27); marketplace |
What is Clarify Capital?
Clarify Capital is an advisor-led loan marketplace, run by Clarify Capital LLC in Manhattan, that sends one application to 75+ banks, credit unions and alternative lenders.
It does not lend its own money: the partner writes the contract, sets payments and holds any lien, and pays Clarify, so borrowers pay no fee. Clarify claims more than $1 billion arranged for over 50,000 businesses.
How Clarify Capital business loans work
Clarify Capital business loans take four steps: a two-minute form, a partner match, an offer review with your advisor, then funding.
- Credit check: checking rates uses a soft inquiry; a lender may pull hard credit only once you accept its offer.
- Speed: funds in as little as 24 hours; 1 to 2 days on most products; SBA 30 to 90 days.
Clarify Capital rates and fees: what it really costs
Clarify Capital charges borrowers no fee; partner products it shows start at 6% APR for term loans and reach a 1.45 factor rate on merchant cash advances.
| Product (via partners) | Amount | Pricing shown | Term |
|---|---|---|---|
| Term loan | $5,000 to $5,000,000 | APR from 6% | 6 to 60 months |
| Line of credit | Up to $5,000,000 | 6.99% to 28% APR | 6 to 36 months |
| Merchant cash advance | Up to $5,000,000 | Factor 1.08 to 1.45 | No fixed term |
| Invoice factoring | Advance of 70% to 100% | 0.5% to 3% per month | Net 30 to 90 invoices |
| SBA 7(a) | Up to $5,000,000 | 9.75% to 13.25% | Up to 25 years |
| Equipment financing | Up to 100% of cost | Set by partner | 12 to 72 months |
| HELOC | Up to $750,000 | From prime | Up to 30 years |
Cash advances are repaid daily, weekly or monthly from sales. Holdback percentage, origination or admin fees and UCC lien are set by the funder and not published. Clarify says many partners charge no prepayment penalty and some discount early payoff.
Worked example: a $50,000 cash advance at a 1.30 factor rate means $65,000 to repay, a $15,000 cost. Spread over 126 weekday debits (about six months, Clarify's own estimate for repayment), that is $515.87 a day, roughly 109% APR on an IRR basis. At 1.08 the cost is $4,000 (about 31% APR); at 1.45, $22,500 (about 158% APR).
Merchant cash advance rules that protect you
Clarify Capital's cash-advance partners must follow commercial-financing disclosure laws in ten states, including New York, California, Virginia and Texas, per a March 2026 Venable LLP survey.
- New York: on deals up to $2.5 million with New York-run businesses, the funder discloses estimated APR, finance charge, term and payments upfront.
- Texas: providers and brokers of sales-based financing must register with the state's credit commissioner by December 31, 2026.
- Virginia: sales-based financing providers must register; Clarify Capital II LLC d/b/a Clarify Capital was on the June 2024 registrant list.
- Confession of judgment and stacking: not addressed by Clarify; check the funder's agreement.
Clarify Capital requirements
Clarify Capital's general minimums are a 500+ credit score, 6+ months in business and $10,000 in monthly revenue.
| Requirement | Clarify Capital minimum |
|---|---|
| Personal credit score | 500+; line-of-credit and SBA pages cite 550+ (line-of-credit FAQ says 600) |
| Time in business | 6+ months (SBA lenders often want 2 years) |
| Annual revenue | $120,000 ($10,000 a month) |
| Bank account / integrations | U.S. business bank account; 3 to 6 months of statements |
| Credit check | Soft to check rates; hard if you accept an offer |
| Collateral / guarantee | Set by the partner lender; factoring has no personal credit minimum |
Pros and cons
Clarify Capital offers breadth and an advisor, but price and terms come only from the partner.
Pros
- No application or matching fee to the borrower
- A dedicated advisor, and no hard pull until you accept an offer
- Accepts credit scores from 500 and businesses from 6 months old
- Trustpilot 4.9/5 from 882 reviews
Cons
- No list of partner lenders, so you learn the funder only at offer stage
- Factor rates up to 1.45 can top 150% APR
- Partners pay Clarify, which can shape which offers you see
- Founding year, licenses and partner contract terms are not published
Clarify Capital vs. Lendio vs. Nav
Clarify Capital, Lendio and Nav all match borrowers with partners for free, up to $5,000,000.
| Clarify Capital | Lendio | Nav | |
|---|---|---|---|
| Max amount | $5,000,000 (via partners) | $5,000,000 (via partners) | $5,000,000 partner offers |
| Pricing | APR from 6%; MCA factor 1.08 to 1.45; no Clarify fee | Partner rates 6% to 60%; no Lendio fee | Free marketplace; optional Nav Prime $39.99 to $74.99/month |
| Min FICO | 500+ | 600+ (some 500s) | No set minimum |
| Min time in business | 6 months | 6 months (some 3) | 6 months+ (third-party) |
| Min annual revenue | $120,000 | $96,000 | Not stated by Nav |
| Lender network | 75+ | 100+ | 25+ |
| Repayment / early payoff | Set by the partner | Set by the partner | Set by the partner |
Lendio and Nav figures are from their own sites, with Nav's time-in-business figure from Finder; checked 2026-10-26.
Choose Clarify Capital for an advisor at a 500 score, Lendio for the biggest network, Nav for credit-profile matching.
Clarify Capital alternatives on Lender List
The closest Clarify Capital alternatives are marketplaces Lendio and Nav, or a direct funder you know from day one.
- Lendio — 100+ lenders
- Nav — offers tied to your credit profile
- Fundera by NerdWallet — term loans to $5,000,000
- Forward Financing — direct advances, $5,000 to $500,000
- National Funding — direct, up to $500,000
- Browse all merchant cash advance providers on Lender List
Frequently asked questions about Clarify Capital
Clarify Capital is an active loan marketplace rated 4.9/5 on Trustpilot.
Is Clarify Capital Legit? Yes. Clarify Capital LLC is an active New York business claiming 10+ years and over $1 billion arranged. Trustpilot shows 4.9/5 from 882 reviews on a profile claimed since 2018. In our searches we found no BBB profile and no regulatory action.
What Loans Does Clarify Capital Offer? Seven types, $5,000 to $5,000,000, all through partners: term loans, lines of credit, SBA loans, equipment financing, home equity lines, invoice factoring and merchant cash advances. Term loans start at 6% APR over 6 to 60 months; advances carry factor rates of 1.08 to 1.45.
Is Clarify Capital a Direct Lender or a Broker? A broker-style marketplace. Clarify does not fund loans; it shops your file to 75+ partners and is paid by the one that funds you. That partner sets rate, payments and contract, so ask your advisor to name the funder before signing.
What Happens if My Sales Drop? It depends on the partner's contract. Advances repaid as a share of sales shrink when sales fall; fixed daily or weekly debits change only if the funder agrees. Clarify publishes no partner reconciliation terms, so get that clause in writing.
What Are Clarify Capital's Requirements? Clarify asks for 6+ months in business, $10,000 a month in revenue, a 500+ credit score and 3 to 6 months of bank statements. Its line-of-credit and SBA pages cite 550+, and partners, especially SBA lenders, can set stricter bars.
Does Clarify Capital Offer a Line of Credit? Yes, through partners. Lines reach $5,000,000, with APRs from 6.99% to 28% shown on Clarify's site and repayment over 6 to 36 months. Interest is charged only on the balance you use, and funds can arrive in 1 to 2 days.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses with 6+ months of history, $10,000 a month in deposits and a 500+ score that want an advisor to shop 75+ lenders, from cash advances to SBA loans.
Not for: Owners who want a named lender and firm price before talking to a salesperson, or published terms on payment relief and liens.
Lender List verdict: Clarify Capital is a loan marketplace, not a direct lender: it charges you nothing and is paid by the partner that funds you. Prices run from 6% APR on strong term loans to factor rates of 1.45 on cash advances; the offer you accept sets your cost.
Clarify Capital at a glance
Clarify Capital is a New York loan marketplace that matches small businesses with 75+ lenders for $5,000 to $5,000,000.
| Clarify Capital | |
|---|---|
| Lender type | Loan marketplace, not a direct lender |
| Founded | Not published; claims 10+ years in business |
| HQ | 550 7th Ave, Suite 402, New York, NY |
| Parent/owner | Clarify Capital LLC; co-founders Michael Baynes and Bryan Gerson |
| Products | Seven types, from term loans to cash advances |
| Amounts | $5,000 to $5,000,000, depending on product |
| Cost (headline) | APR from 6%; cash-advance factor rates 1.08 to 1.45; no fee from Clarify |
| Term | 6 to 60 months on term loans; SBA up to 25 years |
| Funding speed | Funds in as little as 24 hours; 1 to 2 days on most products; SBA 30 to 90 days |
| Status | Active (2026-10-27); marketplace |
What is Clarify Capital?
Clarify Capital is an advisor-led loan marketplace, run by Clarify Capital LLC in Manhattan, that sends one application to 75+ banks, credit unions and alternative lenders.
It does not lend its own money: the partner writes the contract, sets payments and holds any lien, and pays Clarify, so borrowers pay no fee. Clarify claims more than $1 billion arranged for over 50,000 businesses.
How Clarify Capital business loans work
Clarify Capital business loans take four steps: a two-minute form, a partner match, an offer review with your advisor, then funding.
- Credit check: checking rates uses a soft inquiry; a lender may pull hard credit only once you accept its offer.
- Speed: funds in as little as 24 hours; 1 to 2 days on most products; SBA 30 to 90 days.
Clarify Capital rates and fees: what it really costs
Clarify Capital charges borrowers no fee; partner products it shows start at 6% APR for term loans and reach a 1.45 factor rate on merchant cash advances.
| Product (via partners) | Amount | Pricing shown | Term |
|---|---|---|---|
| Term loan | $5,000 to $5,000,000 | APR from 6% | 6 to 60 months |
| Line of credit | Up to $5,000,000 | 6.99% to 28% APR | 6 to 36 months |
| Merchant cash advance | Up to $5,000,000 | Factor 1.08 to 1.45 | No fixed term |
| Invoice factoring | Advance of 70% to 100% | 0.5% to 3% per month | Net 30 to 90 invoices |
| SBA 7(a) | Up to $5,000,000 | 9.75% to 13.25% | Up to 25 years |
| Equipment financing | Up to 100% of cost | Set by partner | 12 to 72 months |
| HELOC | Up to $750,000 | From prime | Up to 30 years |
Cash advances are repaid daily, weekly or monthly from sales. Holdback percentage, origination or admin fees and UCC lien are set by the funder and not published. Clarify says many partners charge no prepayment penalty and some discount early payoff.
Worked example: a $50,000 cash advance at a 1.30 factor rate means $65,000 to repay, a $15,000 cost. Spread over 126 weekday debits (about six months, Clarify's own estimate for repayment), that is $515.87 a day, roughly 109% APR on an IRR basis. At 1.08 the cost is $4,000 (about 31% APR); at 1.45, $22,500 (about 158% APR).
Merchant cash advance rules that protect you
Clarify Capital's cash-advance partners must follow commercial-financing disclosure laws in ten states, including New York, California, Virginia and Texas, per a March 2026 Venable LLP survey.
- New York: on deals up to $2.5 million with New York-run businesses, the funder discloses estimated APR, finance charge, term and payments upfront.
- Texas: providers and brokers of sales-based financing must register with the state's credit commissioner by December 31, 2026.
- Virginia: sales-based financing providers must register; Clarify Capital II LLC d/b/a Clarify Capital was on the June 2024 registrant list.
- Confession of judgment and stacking: not addressed by Clarify; check the funder's agreement.
Clarify Capital requirements
Clarify Capital's general minimums are a 500+ credit score, 6+ months in business and $10,000 in monthly revenue.
| Requirement | Clarify Capital minimum |
|---|---|
| Personal credit score | 500+; line-of-credit and SBA pages cite 550+ (line-of-credit FAQ says 600) |
| Time in business | 6+ months (SBA lenders often want 2 years) |
| Annual revenue | $120,000 ($10,000 a month) |
| Bank account / integrations | U.S. business bank account; 3 to 6 months of statements |
| Credit check | Soft to check rates; hard if you accept an offer |
| Collateral / guarantee | Set by the partner lender; factoring has no personal credit minimum |
Pros and cons
Clarify Capital offers breadth and an advisor, but price and terms come only from the partner.
Pros
- No application or matching fee to the borrower
- A dedicated advisor, and no hard pull until you accept an offer
- Accepts credit scores from 500 and businesses from 6 months old
- Trustpilot 4.9/5 from 882 reviews
Cons
- No list of partner lenders, so you learn the funder only at offer stage
- Factor rates up to 1.45 can top 150% APR
- Partners pay Clarify, which can shape which offers you see
- Founding year, licenses and partner contract terms are not published
Clarify Capital vs. Lendio vs. Nav
Clarify Capital, Lendio and Nav all match borrowers with partners for free, up to $5,000,000.
| Clarify Capital | Lendio | Nav | |
|---|---|---|---|
| Max amount | $5,000,000 (via partners) | $5,000,000 (via partners) | $5,000,000 partner offers |
| Pricing | APR from 6%; MCA factor 1.08 to 1.45; no Clarify fee | Partner rates 6% to 60%; no Lendio fee | Free marketplace; optional Nav Prime $39.99 to $74.99/month |
| Min FICO | 500+ | 600+ (some 500s) | No set minimum |
| Min time in business | 6 months | 6 months (some 3) | 6 months+ (third-party) |
| Min annual revenue | $120,000 | $96,000 | Not stated by Nav |
| Lender network | 75+ | 100+ | 25+ |
| Repayment / early payoff | Set by the partner | Set by the partner | Set by the partner |
Lendio and Nav figures are from their own sites, with Nav's time-in-business figure from Finder; checked 2026-10-26.
Choose Clarify Capital for an advisor at a 500 score, Lendio for the biggest network, Nav for credit-profile matching.
Clarify Capital alternatives on Lender List
The closest Clarify Capital alternatives are marketplaces Lendio and Nav, or a direct funder you know from day one.
- Lendio — 100+ lenders
- Nav — offers tied to your credit profile
- Fundera by NerdWallet — term loans to $5,000,000
- Forward Financing — direct advances, $5,000 to $500,000
- National Funding — direct, up to $500,000
- Browse all merchant cash advance providers on Lender List
Frequently asked questions about Clarify Capital
Clarify Capital is an active loan marketplace rated 4.9/5 on Trustpilot.
Is Clarify Capital Legit? Yes. Clarify Capital LLC is an active New York business claiming 10+ years and over $1 billion arranged. Trustpilot shows 4.9/5 from 882 reviews on a profile claimed since 2018. In our searches we found no BBB profile and no regulatory action.
What Loans Does Clarify Capital Offer? Seven types, $5,000 to $5,000,000, all through partners: term loans, lines of credit, SBA loans, equipment financing, home equity lines, invoice factoring and merchant cash advances. Term loans start at 6% APR over 6 to 60 months; advances carry factor rates of 1.08 to 1.45.
Is Clarify Capital a Direct Lender or a Broker? A broker-style marketplace. Clarify does not fund loans; it shops your file to 75+ partners and is paid by the one that funds you. That partner sets rate, payments and contract, so ask your advisor to name the funder before signing.
What Happens if My Sales Drop? It depends on the partner's contract. Advances repaid as a share of sales shrink when sales fall; fixed daily or weekly debits change only if the funder agrees. Clarify publishes no partner reconciliation terms, so get that clause in writing.
What Are Clarify Capital's Requirements? Clarify asks for 6+ months in business, $10,000 a month in revenue, a 500+ credit score and 3 to 6 months of bank statements. Its line-of-credit and SBA pages cite 550+, and partners, especially SBA lenders, can set stricter bars.
Does Clarify Capital Offer a Line of Credit? Yes, through partners. Lines reach $5,000,000, with APRs from 6.99% to 28% shown on Clarify's site and repayment over 6 to 36 months. Interest is charged only on the balance you use, and funds can arrive in 1 to 2 days.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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