Business Loans from $20,000 - $500,000
- No Out-of-Pocket Fees
- No Obligation
- Approval in as little as 4 hours
- Funds in your account within 24 hours
- Rates as low as 10.75% APR
Funding Your Success
5,000+
Businesses funded
since 2014
$200 million
Funded since 2014
98%
Approval Rate for qualified applicants
Business Loan
Loan amounts up to $500k
Repayment terms up to 24 months
Ideal for larger expenses and expansions
What is a Business Loan?
A business loan is the most conventional form of small business lending, providing the borrower with a single lump sum of cash upfront that is used to fund major, one-time investments. This type of loan is repaid over a predetermined time period, or “term,” with fixed payments made on a regular schedule, offering small business owners the benefit of predictable budgeting.
Clear Skies Capital offers business loans up to $500,000 with flexible terms up to 60 months. You can access the funds your business needs in as little as 24 hours through our streamlined application process, all backed by dedicated support and fully transparent terms.
What can Business Loans be used for?
- Cover Payroll
- Purchase Materials
- Upgrade Equipment
- Remodel Space
- Cover Payables
- Hire Employees
- Bid on Projects
- Improve Marketing
Benefits of a Business Loan
No Hard Credit Pulls
Apply for a business loan without affecting your credit.
Quick Turnaround
If approved, business loans can fund as soon as the next business day*.
Build Business Credit
On-time payments can help build business credit.
Minimum Requirements for Business Loans
1 Year in business
$100K+ in annual business revenue
650 personal FICO score
Business checking account
Process Overview
1
Complete the application.
Funding made fast with our easy, minute-long process.
2
Get a decision.
Work with a funding advisor to choose the best option for your business.
3
Receive your funds.
Sign your agreement and access your funds next business day.
What makes our Business Loan better?
Get the financing you need quickly, easily, and with a team that knows your business.
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Clear Skies Capital® Business Loan
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Traditional Bank Business Loan
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Processing Time
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24-72 Hours
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45+ Days
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Requirements
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Business Type
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All Types
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Businesses with operating history (typically more than a year) and revenue
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Location
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Operating Business in the United States
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Varies
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Business Plan
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No
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Yes
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Profitable
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Varies
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Varies
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Cash Flow
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< 3-6 days of negative balances
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Varies
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Outstanding Debt/Credit
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Credit-worthiness of business assures repayment of loan (FICO + Various measurements)
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Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
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Collateral
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No
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Yes
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Money Down
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No
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Yes
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Time in Business
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1 Year
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Varies
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Terms
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Loan Amount
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Up to $500K
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Typically, 60% to 80% of collateral’s assessed value
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Interest
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Fixed interest rate with flexible payment terms
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Fixed and variable rate loans, based on qualifications and prime rate
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Repayment Terms
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Fixed or variable monthly payments, which can be based on monthly revenue or cash flow
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Monthly payments of principal and interest from the cash flow of the business
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Maturity Terms
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Up to 60 months
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Varies, short- and long-term loans
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Out of pocket fees
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No
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Yes
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Prepayment Penalty
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No
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Varies
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Use of Funds Restrictions
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No
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Yes
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Covenants
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No
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No
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Trusted by business owners in all 50 states.
FAQ's
A fixed amount of capital paid back over a set term, with regular payments.
At least 1 year in business, $20K+ monthly sales, and 650+ credit score.
We may be able to help once your business is at least 6 months old and generating $10,000+ in monthly sales.
Not if you’re starting from scratch, but if you already have a business entity, funds can be used for acquisitions and other business needs.
Four (4) months of most recent business bank statements and a 1 page application.
Yes, you must have a business checking account to apply for a business loan.
You can borrow anywhere from $10,000 to $500,000, depending on your qualifications.
Approvals can happen as fast as 4 hours.
No collateral required.
Terms typically range from 6 months to 5 years.
There are no out-of-pocket fees. Any applicable origination fee is deducted from the approved funding amount and included in the stream of payments.
Yes, you may use the funds for any related business expense.
Yes, there are no prepayment penalties for early pay offs.
You may be eligible for a Revenue Based Financing program, reach out to us to discuss your business financing options.
Email us, call, or fill out our contact form, we’re here to help.
Yes, we have stories from real clients who’ve grown with our help.