Clarify Capital Review: Compare Multiple Offers (2026)
Clarify Capital isn't available on Finder right now.
- Min. Amount
- $5,000
- Max. Amount
- $5,000,000
- APR
- Term loans: from 6% per its homepage; product page notes rates can start as low as 7%
Our verdict
A free lending marketplace with a dedicated advisor and same-day funding on select products.
Clarify Capital is a marketplace, not a direct lender — it matches you with financing from 75+ lending partners at no upfront cost. A dedicated advisor handles rate shopping and paperwork. Funding can arrive in as little as 24 hours, and borrowers with scores as low as 500 may qualify. Rates and fees vary by lender.
Best for: Small business owners who want an advisor to compare multiple loan options at once.
Pros
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Access to 75+ lenders through one application
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Funding as fast as 24 hours for most products
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No upfront fees
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Credit scores as low as 500 may qualify
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Soft credit pull to check eligibility — won't affect your score
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Six product types, including SBA loans and invoice factoring
Cons
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Not a direct lender — terms set by the matched lender
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Rates and most fees not disclosed upfront on its website
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Customer service hours not listed on its website
Key takeaways
- Clarify Capital is a business loan marketplace, not a direct lender — one application connects you with 75+ lending partners, with no upfront fees to borrowers and a minimum credit score of 500 for most products.
- Most loan types fund within 24 hours of approval, with MCAs and invoice factoring available same-day — but SBA loans through the network take 30–90 days.
- Rates, origination fees and other costs are not published on the website — actual terms are set by whichever lending partner you’re matched with, so compare the full offer carefully before accepting.
Is Clarify Capital legit?
Yes. Clarify Capital LLC was founded in 2018 and operates from 550 7th Ave, New York, NY 10018. Co-founders Michael Baynes and Bryan Gerson each have 15+ years in business finance and have collectively arranged over $900 million in funding for small businesses nationwide, according to Clarify Capital’s own website. The company reports serving more than 40,000 business owners.
No BBB profile for Clarify Capital LLC was found on bbb.org at time of writing. On Trustpilot, the company holds a 5-star rating.
What makes Clarify Capital shine?
- One application, 75+ lenders. Submit your details once and your advisor shops competing offers across a wide lender network — no need to apply separately to multiple lenders.
- Fast funding on most products. Most loan types fund within 24–48 hours of approval; merchant cash advances and invoice factoring can arrive the same day.
- No cost to borrowers. Clarify Capital charges no upfront fees — it earns revenue from lending partners, not applicants.
- Accessible to lower credit scores. The minimum credit score is 500 for most products, and some products weigh revenue more heavily than credit, opening the door for less-than-stellar credit borrowers traditional banks would turn away.
- No prepayment penalty on term loans. Clarify Capital’s short-term loan page explicitly states no prepayment penalties, which can save money if you pay off early.
Where Clarify Capital falls short
- No upfront pricing. Most rates, origination fees and late fees aren’t published on Clarify’s website — they vary by lender and you’ll only see actual terms once matched.
- You’re borrowing from a third-party lender. Final loan terms, conditions and repayment structures are set by whichever lending partner you’re matched with, not Clarify itself.
- MCA costs can be high. Merchant cash advances carry factor rates rather than APRs, and those rates aren’t disclosed on the site — compare carefully before accepting any offer.
- SBA loans take time. SBA products through Clarify’s network typically take 30–90 days to fund — significantly slower than the 24-hour funding available on most other products.
- Advisor-driven model only. There’s no fully self-serve application experience — expect contact from an advisor after you apply.
Clarify Capital loan details
| Feature | Details |
|---|---|
| Minimum credit score | 500 (most products); 550+ for SBA loans |
| APR | Term loans: from 6% per its homepage; product page notes rates can start as low as 7% |
| Loan amounts | From $5,000 (varies by product — term loans from $10,000 per product page) |
| Loan terms | Short-term loans: 6–24 months; term loans up to 60 months; revolving for lines of credit; based on sales for MCAs |
| Approval/funding turnaround | As fast as 24 hours (most products); MCAs and invoice factoring same day; SBA loans 30–90 days |
| State availability | Not listed on its website |
| Origination fee | Not listed on its website |
| Prepayment penalty | None for term loans (per its website); not listed for other products |
| Late fee | Not listed on its website |
Clarify Capital contact info
| Channel | Details |
|---|---|
| Phone | (877) 838-3919 |
| Customer service hours | Not listed on its website |
| support@clarifycapital.com | |
| X (formerly Twitter) | @clarify_capital |
| facebook.com/clarifycapital |
Calculate your monthly loan payments
Use the calculator below to estimate what monthly repayments could look like based on your loan amount, term and rate. Your actual figures will depend on the lender you’re matched with.
Loan repayment calculator
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How do you qualify for a Clarify Capital loan?
Clarify Capital lists the following minimum requirements. Meeting these thresholds doesn’t guarantee approval — individual lenders in the network set their own standards.
- At least 6 months in business
- Monthly revenue of $10,000 or more
- Personal credit score of 500 or above (550+ for SBA loans)
- A business bank account (3–4 months of recent statements required)
How to apply for a Clarify Capital loan
The online application takes around two minutes. Here’s how the process works:
- Submit a short application. Provide basic business details — revenue, time in business, loan amount needed and intended use. This uses a soft credit pull only.
- Connect with a dedicated advisor. A Clarify advisor contacts you to review your eligibility and goals, then shops offers across the lender network on your behalf.
- Compare and choose an offer. Your advisor presents matched loan offers. A hard credit pull only occurs if you choose to proceed with one.
- Accept and receive funding. Once you sign a loan agreement, funds are typically deposited within 24 hours for most products.
How Clarify Capital compares to other lenders
Compare other products
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Clarify Capital reviews and complaints
Clarify Capital’s Trustpilot reviews are overwhelmingly positive. Customers consistently highlight fast approvals, same-day or next-day funding, and responsive advisors. Many reviewers mention returning for repeat funding as their business grows, and Clarify responds actively to reviews on the platform. The rare negative feedback references an unexpected ACH payment processed at funding and post-application follow-up calls, which some borrowers found felt like sales pressure.
No BBB profile for Clarify Capital LLC could be confirmed on bbb.org at time of writing — searches returned only unrelated entities with similar names.
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Frequently asked questions
Your reviews
Megan B. Finder
Editor, Loans & Insurance
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