Clarify Capital Reviews: Pros, Cons, Are They Legit (2025)
The bottom line:
Clarify Capital is an ideal choice for businesses looking for affordable financing options with a quick turnaround time and minimal documentation requirements.
| Pros | Cons |
|---|---|
| Wide range of loan options | Requires a personal guarantee |
| Competitive interest rates | Not available in all states |
| Flexible repayment terms | Not suitable for startups |
| Minimal documentation requirements | Requires a minimum credit score of 600 |
| Fast funding in as little as 24 hours |
Full Review:
Clarify Capital is a small-business lender that offers a variety of financing solutions, including term loans, lines of credit, equipment financing, and invoice factoring. Their tailored solutions cater to the unique needs of each business, making them a popular choice for entrepreneurs in need of fast, affordable financing options.
Clarify Capital is best for borrowers who:
Seek a wide range of loan options: Clarify Capital offers various financing solutions, allowing you to choose the one that best suits your business's needs. Whether you need a term loan for expansion, a line of credit for ongoing expenses, or equipment financing, they have you covered.
Require competitive rates: Clarify Capital's interest rates are competitive compared to other online lenders, making them an attractive choice for businesses looking to minimize borrowing costs.
Need fast funding: The lender's streamlined application process allows you to receive funds in as little as 24 hours after approval. This quick turnaround time is crucial for businesses in need of immediate cash flow.
Appreciate flexible repayment terms: Clarify Capital offers repayment terms ranging from 6 months to 5 years, depending on the loan product. This flexibility allows you to choose a repayment plan that aligns with your business's financial situation.
Clarify Capital loan features
Clarify Capital provides a range of financing solutions, each with its unique features and requirements.
1. Term Loans
- Loan amount: $5,000 to $500,000
- Interest rate: Starting at 6.99%
- Repayment terms: 6 months to 5 years
- Funding speed: As fast as 24 hours
2. Business Lines of Credit
- Credit limit: Up to $250,000
- Interest rate: Starting at 6.99%
- Repayment terms: Flexible
- Funding speed: As fast as 24 hours
3. Equipment Financing
- Loan amount: Up to 100% of equipment value
- Interest rate: Starting at 7.5%
- Repayment terms: Up to 5 years
- Funding speed: As fast as 24 hours
4. Invoice Factoring
- Advance rate: Up to 90% of invoice value
- Factoring fee: Starting at 1%
- Repayment terms: N/A (payment comes from the client)
- Funding speed: As fast as 24 hours
Clarify Capital loan requirements
To qualify for a loan from Clarify Capital, you'll need to meet the following minimum criteria:
Credit score: 600 or higher.
Time in business: At least 1 year.
Annual revenue: $100,000 or more.
Where Clarify Capital stands out
Quick funding process
Clarify Capital's efficient application process allows you to access funds in as little as 24 hours after approval. This rapid funding is essential for businesses that need to address urgent financial needs or capitalize on time-sensitive opportunities.
Wide range of loan options
Clarify Capital offers various financing solutions, catering to the diverse needs of small businesses. Their loan products, including term loans, lines of credit, equipment financing, and invoice factoring, make them a one-stop-shop for businesses seeking financing options.
Competitive interest rates
Clarify Capital boasts competitive interest rates, which are often lower than those of similar online lenders. While interest rates depend on the borrower's credit profile and loan terms, their competitive pricing makes Clarify Capital an attractive option for businesses looking for cost-effective financing.
Where Clarify Capital falls short
Limited online information
One downside of Clarify Capital is the lack of readily available information on their website. To get detailed information about their loan products, rates, and terms, you'll need to contact the company directly or submit an application. This lack of transparency may be frustrating for potential borrowers who want to research their options before applying.
No startup financing
Clarify Capital requires businesses to have at least one year in operation to qualify for financing. This requirement excludes startups and newer businesses that may need access to capital for growth.
How to apply for a Clarify Capital loan
The application process with Clarify Capital is simple and can be completed online. To begin the application, you'll need to provide basic information about yourself and your business. After submitting the application, a Clarify Capital representative will contact you to discuss your financing needs and review your options.
During the application process, you may be required to submit additional documentation, such as bank statements, tax returns, or financial statements. Once your application is approved, you can receive funds in as little as 24 hours.
The bottom line
Clarify Capital is an excellent choice for small businesses seeking quick and flexible financing solutions. Their wide range of loan products, competitive interest rates, and quick funding process make them an attractive option for businesses in need of capital. However, their lack of online information and ineligibility for startups may be drawbacks for some borrowers.
Frequently Asked Questions
What types of businesses are eligible for Clarify Capital loans?
Clarify Capital works with a wide range of industries, including retail, restaurants, construction, healthcare, and more. They require businesses to have at least one year in operation and a minimum annual revenue of $50,000.
How long does it take to receive funds from Clarify Capital?
After approval, you can receive funds in as little as 24 hours. This quick funding process makes Clarify Capital an excellent option for businesses that need access to capital promptly.
What credit score is required for a Clarify Capital loan?
Clarify Capital requires borrowers to have a minimum credit score of 550. However, a higher credit score may help you secure better interest rates and loan terms.
Are there any industries that Clarify Capital does not work with?
While Clarify Capital serves a wide range of industries, they do not provide financing for businesses in the adult entertainment, gambling, or marijuana industries.
Can I use a Clarify Capital loan to refinance existing debt?
Yes, you can use a loan from Clarify Capital to refinance or consolidate existing business debt. This can be an excellent option for businesses looking to lower their monthly payments or secure better loan terms.
Customer Reviews
If I could give 10 stars I would. I had been working with Nolan T. and Michael B. They went above and beyond last minute to get things. I'm very big on customer service, and transparency and the communication throughout the process made me believe there customer service on the market. I was coping with 2 other creditors. But Nolan left me confident he can beat on their offers, and HE DID! By a long shot. I gave trust that we'd get it done, as he trusted me to get what he had to make it occur. This is a process that is stressful, but Michael and Nolan made it easy and will 100% do in the future. Thank you guys! If you're on the fence, then give Clarify a chance, I've worked with other businesses and this has been over my expectations. I will stop now, I could go on indefinitely. Thank you guys! - Matt C.
Outstanding!
This is my third encounter with the business. I was trying to find immediate capital for working capital and developments into my business (Daycare). The whole process is super and simple quick! You do not need to fill out pages and pages of advice and the funds are there the same day the following moment, or the latest. My loan advisor was Bryan, he phoned me back within seconds and keeps the communication open right through the whole process. Therefore, no waiting, leaving messages, emails, waiting for replys, etc.. This time I called him was funded. Highly suggested! Kristin Calitri- Duffy The Farmhouse Preschool Inc..
Clarify capital is the loan firm that gives you a loan that you would like. Each of the other so called loan companies just wish to give you the loan that makes them the most amount of benefit, and they will tell you whatever to make it happen, but clarify capital works with your company according to your particular needs and demands. They are highly recommended by me because when your taking out loans you need to expect the company your dealing with. This is the best loan company we've encountered. MDS Property Management Group.
Capital is often a tactical and strategic strain on a little or business that is expanding. Access to it is critical and ClarifyCapital, in my experience Jared Laderfarb especially, made it a non-emotional trade. Spent some time understanding my business, which does not happen often looked at exactly what a term and long term capital influx can do with my business and aided get that implemented quickly. Not sure what you desire. Results from a ClarifyCapital and Jared - so my business can deliver.
Michael was the individual at Clarify who worked to get the loan I needed to buy new trucks to me. I typically don't write reviews but the amazingly straightforward and transparent encounter I had with them forced me to write my first one. Can't recommend these guys enough - that they went far know small business people and beyond what was wanted of them. Mike, if you see this, anytime you are going to be receiving a direct contact from me!
I needed money to cover my sellers during the vacation season. Clarify Capital was there for me when no one else was. They saved my business from collapse. I don't have any oke but myself for my hard work snd Clarify Capital for helping me by providing the capital I needed to get through a hard time. The process was fast and easy and no hassle. Thank you for all ClarifyCapital!
Adam Galperin made the process move easily and economically. Any questions we had were answered promptly and accurately. We were impressed with his ability to overcome obstacles. He was a true problem solver when a solution was needed. Most of all, Mr. Galperin did an excellent job fitting the right program with the requirements of our firm. Adam would be recommended by me .
Very easy and good company to work with. Quick funding. Bryan is quite knowledgeable and helpful! He was friendly and a pleasure to work with. As was Michael. Of accepting terms, the process was straightforward and they explained everything very well. I will continue to conduct business using Claify Capital. Thank you all for the great experience!
Daniela and bryan were really easy to work with. They left subsequent funding and the loan application for my company straightforward to finish. They answered all my questions, patiently, sometimes more than once and clearly. Clarifycapital.com has been the lending company I have worked with. No stress, no hurry, but they got the job done.
This is our second time working with Bryan at ClarifyCapital. You can rest assured he will look after you and get you the very best rate. They are fast and very TRUSTWORTHY! No gimmicks and very straightforward. I highly recommend ClarifyCapital for your business lending needs. You will be in great hands no doubt!
Bryan and michael are two professionals whom I've worked with for over 7 years. I've referred a number of clients to them, each thrilled with the service clarifycapital.com provides. If you are a business seeking to construct a long-term relationship with a business that will put your interests Clarify Capital is it!
I worked with Brian and I was pretty hesitant but he assured me I would not have all the headaches as I did trying elsewhere and he was right. I think the entire process took maybe 26 to 28 hours Application to Funding. It was a pretty simple process and I am in a position to expand. Thanks Clarify
Bryan is a man of his word. I've worked with Bryan for 3-4 years with what he says he will do, and he comes through. Do not waste your time with the rest of the mails and telephone calls from different businesses. Call Bryan Gerson if You'd like something simple that will happen as you anticipate
Michael in Clarify Capital is the real deal. He will be present to get the task done, when others assert the world and back out at the last second. There's just nobody that I have worked with that has the skills, tools, connections, and loyalty. Recommend 100% without reservations.
Dealing together with Adam G. has been nothing but a pleasure. While looking for the long run, he was able to use us to find the short term solution. Our Construction Company is growing so fast, we feel good knowing we have a team working together with us! Funding has been free.
Jared is the best! Number one, he always answers his cell phone. Number 2, he says exactly what advice he needs from you and promptly goes to work. Funds are available within 24 to 48 hrs. Business changes by the hour, Jared accommodates those modifications.
Michael and jeremy were helpful in getting my loan performed quickly and economically. Being a small business owner can be rewarding and painful all at the same time but clarifycapital.com truly helped ease the slower season when my shop needed it. Thank you!
LOOK NO FURTHER!
Have used the Clarify people when considering financing. EASY, FAIR! Sure there are other choices on the market, but do yourself a favor and skip paperwork, and the hoop jumping, Do yourself a favor and onnect with the crew at Clarify!
Professional kind And best of all understanding and Comedy Adam was easy to work with Thank you God bless Happy Thanksgiving Merry Christmas Happy New Year May 2020 be prosperous for all Best wishes and one Terri Cass JNC Transportation
What an Adventure!
I'm so happy I had the chance to talk to Jeremy Grossman who had been quite helpful and educated, making the process and returned the telephone call! Keep up the good job and so looking forward to work with you!
Michael was very helpful in helping gain capital in support of our business that is growing. The procedure was simple and we gained the funds we needed in a short amount of time. We value ClarifyCapital and their follow up was superb.
The experience with Clarify Capital was excellent. Everyone is organized and extremely professional. Bryan Gerson has an interest in my company and I understand moving is going to be part of my continuing growth for years to come.
I strongly recommend working with Clarify Capital. We're a tech company that required some fast capital to help connect us to our next round. Jeremy with Clarify was fast and extremely helpful to get us approved and funded. Joe
Great Encounter with Bryan.
We weren't getting the very best of luck with other creditors and they helped us out. They were fast and the procedure was easy. I strongly recommend them and I'd use them again, if needed.
I have used the services of different businesses and have had good experiences. But, Clarify Capital has topped them all. Michael Baynes created it professional, simple and quick. I'll definitely use their services again.
The application process was easy and smooth. I signed the contract, implemented a day and obtained the cash the next day. Matt was fantastic to work with. He made everything quite clear and followed timely.
Painless Process!
Bryan and his team are top notch. Clarify managed my situation with professionalism and the utmost respect. Definitely recommend them and that I will do business later on with them.
Working with Jeremy Grossman was a breeze.
He managed to help our firm get the funds we had together with the hassle. We anticipate working with them in the future for all our financing requirements.
Hi, clarifycapital.com has been a great experience. They got me funded quickly. All communication was straight. I love everybody on their team especially Bryan and Mike for making this a cozy experience.
They told me the facts from the start. They did not fill me they could do what I wanted. They took all of the facts and developed a long term strategy for me. I'll work for quite a long moment together.
My expertise with clarifycapital.com has been very positive. They offered funding choices which let me make the best choice for my company. Bryan would react quickly and was really valuable.
He went above and beyond every step of the way, although bryan spent the time to know our need to ensure the transaction was smooth as possible. Highly recommended and will work with again
Found us the capital we had and at a rate than other lenders. They weren't pushy and did not telephone us every 30 minutes trying to"close" the deal like other firms we had experienced.
Bryan and his staff were useful and very professional. They were very patient. They were very aware and they left the process painless. This is the best tool for smaller businesses.
Bryan out of ClarifyCapital is outstanding at customer services. I'm a tough fighter, and he's helpful, quick and resolution oriented. Customer expectations are exceeded by him.
Adam got things done simple and fast! At clarify capital they understand that your business find and to try something that works best for you, and treat you like a true man!
It has been, by far, the easiet professional lending service that I have received. Jared Lederfarb has been a joy to use, patient and sincere. Thanks to clarifycapital.com!
Unmatched - fair and Knowledgeable service. Respectful, wonderful to work with, translucent, and customer driven. Clarify Capital is. Do not go anywhere else.
Adam was excellent in helping us. It was rapid. He was rather good in being proactive at requesting information that may be needed to expedite the procedure.
Jared made it an simple and easy procedure and answered all questions. He was very fast to react always. Will continue to use Clarify for future needs.
The people at ClarifyCapital took a real interest and responded to my queries quickly. I'm glad to have partnered with them for my capital requirements.
Clarify made the process as simple as possible and communicated effectively. As I attempted to collected all information, I appreciate their patience.
Trust truth kindness. All attributes of Clarify Capital. I've used them twice. They truly care and look after their clientele. A+ rating
The individuals have been super! we are extremely delighted, although had a few hick-ups getting logged in and getting our 1st draw set up!
Clarify was really a arrow to have in our quiver. I enjoyed how they trapped with me till they got the work done. Offering You ALAN DAVIS
I loved the professional way Nolan helped to navigate me through the process of getting the loan. I followups and felt very comfortable.
Matt Sidor was fantastic. Very fast to respond to telephone calls and my mails and he made the entire process simple and stress free.
Michael was patient, honest, clear and helpful in answering and walking us. We would definitely look to work in the future with him.
I received timely, constructive and fair responses and advice. The entire procedure through funding couldn't have gone smoother.
Michael and his staff were easy to use. They follow up provided excellent customer support, ease of communication and financing,
About Clarify Capital
Clarify Capital is a boutique alternative lending company specializing in helping small businesses grow.
Website:
clarifycapital.com
Contact:
135 Madison AvenueNew York
NY 10016
United States
(877) 838-3919
[email protected]