Get the Capital Your Business Actually Needs
Working capital loans, equipment financing, lines of credit, and same-day funding for US and Canadian operators. We match you to the right lender — not the most expensive one.
No hard credit pull to check eligibility. Approvals in 24–48 hours.
What Is Business Funding?
Business funding is capital provided to a company to cover operational costs, growth initiatives, equipment purchases, or short-term cash flow gaps. Unlike personal loans, business funding is underwritten based on your company's revenue, cash flow, and operating history — not just your personal credit score.
The most common types of business funding include working capital loans, merchant cash advances (MCA), equipment financing, and business lines of credit. Each product has different approval criteria, repayment structures, and cost profiles. A working capital loan might carry an APR of 15–45%, while a merchant cash advance is priced using a factor rate (typically 1.15–1.49) with daily or weekly repayments tied to your revenue.
The right funding product depends on how quickly you need capital, how long you've been in business, your monthly revenue, and whether you need a one-time injection or ongoing access to funds. ClearSide helps operators navigate these options without the sales pressure of a single lender pushing its own products.
How ClearSide Helps
We're not a lender. We're your financial co-pilot — which means we work for you, not the bank.
One Application, 15+ Lenders
Submit one application and get matched to the lenders most likely to approve you at competitive rates. No repeating yourself to five different underwriters. No wasting days on applications that go nowhere.
Transparent Cost of Capital
We show you the full cost of each offer — APR, total repayment, and daily payment amounts — before you commit. Alternative lending is full of opaque pricing. We believe operators deserve to make informed decisions.
Built for Growth, Not Just Survival
Most operators come to us for emergency capital. They stay because we help them build toward lower-cost financing over time — improving their profile with each funding cycle to unlock better rates and larger credit lines.
How the Funding Process Works
From application to funded account — here's exactly what happens.
Apply in 5 minutes
Fill out a single application — no bank branch, no fax machine. We ask for basic business details, three months of bank statements, and your funding goal.
Get matched to lenders
ClearSide matches your profile to the lenders most likely to approve you. We access 15+ lenders simultaneously so you see real offers, not pre-screened maybes.
Compare and accept
Review side-by-side offers with clear APR, total cost of capital, and repayment terms. Accept the offer that fits your cash flow — funds wire in 24–48 hours.
Do You Qualify for Business Funding?
Here are the basic criteria most lenders in our network use. Meeting these minimums doesn't guarantee approval, but falling short on one factor rarely disqualifies you entirely.
Revenue
$10,000+ monthly revenue
Most lenders require 3–6 months of bank statements showing consistent deposits.
Time in Business
6+ months operating
Some same-day lenders accept 3 months. SBA-backed products require 2 years.
Credit Score
500+ personal credit
Alternative lenders focus on cash flow. Prime lenders and lines of credit want 650+.
Industry
Most industries accepted
Cannabis, adult entertainment, and speculative investments are typically excluded.
Location
US or Canada
We serve businesses in all 50 US states and all Canadian provinces and territories.
Ready to See What You Qualify For?
Apply in 5 minutes. No hard credit pull. Offers from 15+ lenders within one business day.
Explore Business Funding Topics
Every funding product has different requirements, costs, and best-fit use cases. Find the one that matches your situation.
Working Capital Loans
Short-term capital to cover payroll, inventory, and operating costs without tying up assets.
Bad Credit Business Loans
Funding for operators with credit scores under 600. We focus on revenue, not your credit file.
Same-Day Business Funding
Emergency capital wired same business day for operators who can't afford to wait.
Equipment Financing
Finance trucks, machinery, kitchen equipment, and commercial vehicles with terms up to 7 years.
Business Line of Credit
Revolving credit you draw from as needed — only pay interest on what you use.
Funding in Canada
Business loans and merchant cash advances for Canadian operators in all provinces.
Funding in the United States
MCA, SBA alternatives, and term loans for US-based businesses in all 50 states.
Lender Comparison
Side-by-side comparison of top alternative lenders — rates, terms, and approval criteria.
How to Qualify
Exact criteria lenders use: revenue minimums, time-in-business, credit scores, and documents needed.
Construction Funding
Bridge loans, equipment financing, and working capital for general contractors and subcontractors.
Trucking & Logistics Funding
Fleet financing, fuel advances, and working capital for owner-operators and fleets.
Restaurant Funding
Revenue-based advances and equipment loans for restaurants, food trucks, and hospitality groups.
Why Use a Broker Instead of Going Directly to a Lender?
When you apply directly with a lender, they underwrite you against their own product. If you don't fit their box, you get declined — and that decline can affect how other lenders view your application. Worse, many operators burn through their best lender options before finding the right fit.
ClearSide works across the full lender landscape. We know which lenders approve operators in specific industries, at specific revenue levels, with specific credit profiles. We submit you to the right lenders first — improving your approval odds and protecting your credit file from unnecessary hard pulls.
We're compensated by lenders when we place a successful funding. That means our service is free to you, but our incentive is to match you well — lenders stop working with brokers who send them unqualified applicants.
No cost to you
ClearSide's matching service is free. Lender fees are disclosed upfront in your offer.
One application, multiple offers
Instead of five separate applications with five separate underwriting teams, you complete one.
Credit-file protection
We use soft pulls for matching. Hard pulls only happen when you accept a specific offer.
Better rates over time
We track your funding history and alert you when you qualify for cheaper capital.
Frequently Asked Questions
Straight answers to the questions operators ask most.
Apply for Business Funding Today
5-minute application. Offers from multiple lenders. Funds in as little as 24 hours.