How Clarify Capital works
A brokerage that shops one file to a lender panel. The decline you receive comes from a lender, not from Clarify.
Clarify Capital does not publish a full threshold sheet, so the honest comparison is against numbers that are published.
What is different here
One application against published thresholds, rather than a file shopped to a panel with the thresholds discovered afterwards.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
The numbers in full
Line of credit $10,000 to $350,000, from 1% per month on the drawn balance, 2.49% per draw.
Term loan $10,000 to $250,000, 0% origination, weekly payments, 50% off remaining interest on a full early payoff.
MCA refinance $10,000 to $100,000 on a position with a balance of $100,000 or less.
Questions
Is this a better fit than Clarify Capital?
It depends on the file. Every threshold here is published before you apply, so you can check rather than guess.
What credit score do I need?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast is funding?
Same-day decision, next business day funding on a complete file.
Will checking affect my credit?
No.