Fast, Flexible Small Business Loans up to $500,000

Minimum Requirements: 1+ year in business, $250K+ annual revenue, 625+ FICO.

No Upfront Fees
No Obligation
Transparent Terms
Approval in as little as 4 hours
Funds in your account within 24 hours
Rates as low as 10.75% APR

Easy Application Process

First Name

Last Name

Mobile Phone

Business Name

FICO Range

Monthly Gross Sales

Years in business

Industry

Acceptance

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Why Business Owners Choose Clear Skies Capital®

You’re under no obligation when you apply. We offer a free consultation with no upfront fees.

Easy Application

We offer a convenient 1 page application.

Fast Approval

Get approved within 4 hours of application.

Flexible Repayment

Customized repayment plans to meet your needs.

Quick Funding

Get funds within 24 hours
of approval!

Run Your Business with Confidence

You’re building something meaningful, a business that reflects your ambition, hard work, and drive to grow. At Clear Skies Capital®, we believe access to capital should feel like momentum, not a hurdle. That’s why we make funding fast, flexible, and designed to support your goals.

Whether you’re scaling your team, upgrading equipment, or preparing for your next big opportunity, working capital gives you the freedom to move forward, on your terms.

Business owners turn to Clear Skies Capital® to:

Launch a new product or service line with confidence
Expand to a second location or renovate a current space
Take advantage of bulk inventory discounts
Hire top talent to keep growing efficiently
Modernize equipment to boost productivity

With Clear Skies Capital®, you’re backed by a trusted financial partner who sees the potential in every stage of your journey.

Benefits for Every Business

A business loan brings flexibility, confidence, and room to grow.

01 Transparent Terms

No upfront fees. Rates from 10.75% APR based on your credit and business profile.

02 Ready When You Need It

Access funds anytime to handle surprises or smooth out cash flow.

03 Invest in Growth

Use capital for equipment, marketing, or inventory — whatever moves your business forward.

04 Manage Seasonal Swings

Stay steady year-round with capital that adapts to your cash flow cycles.

What makes our Business Term Loan better?

We offer efficiency, speed, and competitiveness, all while maintaining an unwavering commitment to personalized service, ensuring every client feels heard, supported, and empowered on their path to success.

	Clear Skies Capital® Term Loan	Traditional Bank Loan
Processing Time	24-72 Hours	45+ Days
Requirements
Business Type	All Types	Businesses with operating history (typically more than a year) and revenue
Location	Operating Business in the United States	Varies
Business Plan	No	Yes
Profitable	Varies	Varies
Cash Flow	< 3-6 days of negative balances	Varies
Outstanding Debt/Credit	Credit-worthiness of business assures repayment of loan (FICO + Various measurements)	Credit-worthiness of business assures repayment of loan + Excellent personal credit
Collateral	No	Yes
Money Down	No	Yes
Time in business	6 months+	Varies
Terms
Loan Amount	Up to $500k	Typically, 60% to 80% of collateral’s assessed value
Interest	Fixed interest rate with flexible payment terms	Fixed and variable rate loans, based on qualifications and prime rate
Repayment Terms	Fixed or variable monthly payments, which can be based on monthly revenue or cash flow	Monthly payments of principal and interest from the cash flow of the business
Maturity Terms	48 months	Varies, short- and long-term loans
Out of pocket fees	No	Yes
Prepayment Penalty	No	Varies
Use of funds restrictions	No	Yes
Covenants	No	No

Hear from our happy clients!

We are proud of our 5 Star Reviews in Google, please read our testimonials.

I had some Challenges because of a recent business situation and somehow J. Thorn got it done.Much appreciated, Paul MoranoOwner Monster Tree Service

Working with this team has been a fantastic experience! They are incredibly responsive and provided me with numerous options to choose from. I highly recommend them for all your financial needs!

Clear skies capital it’s a great company to work with when it comes to solve a financial project they’re very professional and dedicated to approve the loan in a matter of days I’m grateful for them they helped me few times to rich my gol thank you again for all of you guys at clear skies capital

Super easy to work with but what was more important to me was the detailed explanations of how the process works. Having my nerves settled by both Jeff and Josh were much appreciated.

Jeff and Gene at Clear Skies Capital are amazing people. The company is first in class and have become an important part of my business. I can not thank the whole team enough. I will try forever though!!!!

At Clear Skies Capital®, our values are the cornerstone of our commitment to customer service.

We value our clients as partners in their future growth, fostering relationships built on trust, transparency, and a shared interest in realizing their business aspirations.

Consultative Approach

Our consultative approach and personalized service differentiate us from other lenders. We analyze each client’s specific financial situation and recommend the loan option that best suits their needs, rather than relying on a one-size-fits-all approach.

Long-Term Partnership

Our high retention rate is a testament to our commitment to customer satisfaction. We’re not just looking to make a one-time deal—we want to be your long-term partner for all your lending needs. And our 5.0 rating on Google is proof that our clients love us too!

Broad Eligibility

We help businesses of all credit backgrounds get the funding they need to succeed. Eligibility for our small business loans only requires a minimum gross sales of $150,000 per year and a business history of at least six months.