Frequently Asked Questions
Line of Credit
- Limits up to $250,000
- Instant Draw Capability
- No Maintenance Fees
- Funds in 24 Hours or Less
Business Loan
Lump Sum up to $500K
Approvals in 4 Hours
No Collateral Required
Fixed, Predictable Payments
Equipment Financing
Finance New or Used Gear
No Out-of-Pocket Fees
Preserve Your Working Capital
Flexible 2 to 5 Year Terms
Revenue-Based Financing
Funding up to $1 Million
No Equity Dilution
Flexible Payments
Approvals in 4 Hours or Less
Bad Credit Business Loans
- Minimum 500 Credit Score
- Approval in as little as 4 hours
- No Hidden Fees
- No prepayment penalties
Cannabis Working Capital
Fast Working Capital
No Upfront Fees
24–72 Hour Funding
Up to $1M Available
SBA 7(a) Loans
Lowest Industry Rates
Terms up to 10–25 Years
Government-Backed Stability
Higher Loan Amounts Available
How to Apply & Eligibility
Fill out our online application with basic information about your business. Have questions first? Call us at 800-230-9822.
Most approvals happen within a few hours. After that, we’ll work with you to get funding when you need it.
You’ll work with someone who knows your industry and listens to your needs. You will never be handed off to an AI chatbot.
We require 6-months in business and at least $10,000 in monthly sales for most loans. Equipment financing, and SBA have different requirements.
While startups are not eligible, we offer financing for businesses with at least 6 months of operational history.
No. We explain all costs upfront so you know exactly what you’re paying.
No collateral is required for a Line of Credit.
We offer flexible options for business owners with 500+ FICO, $10,000 monthly sales, and at least 6 months time in business.
Yes. Equipment Financing, Lines of Credit, Business Loans, and SBA 7(a) Loans offer monthly payments.
Other products may have daily (M-F), weekly, or bi-weekly payment schedules depending on your cash flow.
Get approved in hours, work with industry experts, understand every cost, and talk to real people every step of the way.
Funding Timeline & Closing
For amounts under $500,000, you can get approved and funded within hours with our digital application and 4 months of bank statements. Larger amounts typically take 3-7 business days.
Equipment financing typically takes 3-10 business days from application to funding. Titled vehicles may take longer depending on the complexity of the file.
Much faster. Traditional bank loans average 90 days regardless of amount. We work on your timeline, not theirs.
Have 4 months of bank statements downloaded, a voided check and valid ID ready, online banking set up, and make sure all Secretary of State filings are current.
Most approvals happen within a few hours. An advisor will contact you promptly to discuss next steps.
Yes, for qualifying loans under $250,000 with complete documentation.
Yes. Lines of Credit and Business Loans fund fastest. Equipment Financing and SBA 7(a) take longer.
No collateral is required.
This provides underwriting with view-only access to review your month-to-date transactions, confirm account ownership, and verify a positive balance. It does not allow us to interact with your account in any way.
Not always, but some files may require one depending on the loan type and amount. Your advisor will let you know upfront if a hard pull is needed.
About Clear Skies Capital
Yes, Clear Skies Capital is a licensed lender capable of providing business funding up to $5 million.
Clear Skies Capital also maintains an extensive network of lending partners, ensuring businesses connect with the most advantageous funding solutions for their specific growth objectives and financial requirements.
Clear Skies Capital operates as a privately-owned company, with President & Founder Jeff Thon serving as a principal leader in the organization.
Our headquarters are in San Diego, California, situated within the nation’s second-largest business park after Silicon Valley.
We offer financing solutions across all 50 states.
We partner with businesses across all sectors—from construction and manufacturing to wholesale distribution and food service.
We partner with startups that have completed at least 6 months of operations and are generating a minimum of $10,000 in monthly revenue.
Every Clear Skies Capital client works directly with a dedicated financing consultant located in our San Diego headquarters.
Your consultant will guide you through all available funding options, allowing you to focus on running your business while we manage the complexities of securing financing aligned with your objectives.