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Clear

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9.0

Overall Score

LAST UPDATED: June 5th, 2024

Clear is making business loans easy with its transparent process, online portal, fast response times, and cutting-edge technology. The goal of Clear is to provide business owners with a better way to borrow. Each client will receive dedicated personal support as they navigate the loan application, approval, and funding process. With 12 different loan and financing products to choose from, Clear is confident it will have an answer for nearly every business's lending and funding needs.

With Clear, business owners can expect to access larger than average approval amounts at low interest rates. It should also be noted that Clear never charges broker fees for its services. All loan costs and associated fees as well as terms are openly disclosed so each client knows exactly what to expect. Access to the Clear platform is available 24/7, and business owners can check the loan portal or contact a loan advisor from anywhere at any time. 

To date, Clear has over $200 million in closed financings on behalf of thousands of small businesses in all 50 states. Included on the Clear platform are over 100 lenders with an average approval rate of 90 percent. Loans applied for and approved online are powered by one of the most advanced and secure borrower portals in the industry. 

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The Good

  • Loan Products Offered
  • Lender Network
  • Proprietary Lender Match Technology
  • Straightforward Financing

Loan Products Offered

One of the benefits of going through Clear to obtain a business loan is the sheer number of loan products available to businesses through its platform. Those in need of business funding or lending will be able to apply for the following options:

  • Short Term Loan
  • Merchant Cash Advance
  • Line of Credit
  • Term Loan
  • SBA Loan
  • Equipment Financing
  • Invoice Factoring
  • ABL Loan
  • CRE Financing

Not many business loan brokers or providers provide this many options to business owners, but Clear does. Through its platform, Clear allows interested business owners to quickly and effectively apply and get approved for a number of loan products. 

Lender Network

According to Clear, its platform boasts the largest lender network in the industry. With more than 100 lenders to choose from, business owners will have access to more loan products and the best terms available within a certain marketplace due to the sheer number of options.

Select lending partners include the following:

  • Southern Bank
  • Standard Capital Inc
  • SmartBiz
  • Wellen
  • Select Funding
  • Ready Capital
  • Retail Funding
  • Rapid Finance

Having a large lender network only benefits business owners as they navigate the business loans process. The Clear lender network sets it apart from the rest of the industry. 

Proprietary Lender Match Technology

By heavily investing into proprietary technology, Clear provides business owners with one of the more advanced matching platforms on the market.

With the Clear portal, clients can quickly complete the following actions:

  • Evaluate all lending options
  • Quickly view and manage approvals
  • Manage approved loans
  • Secure document database
  • Communicate with dedicated loan advisor
  • Trust in bank level security of the platform

With the Clear proprietary technology, clients have access to a wide range of business loan products and are quickly matched with best possible options. Instead of sorting through countless possibilities, Clear quickly identifies the best options for each borrower and leaves the final decision up to the client. 

Straightforward Financing

Through the Clear portal, financing is made easy and straightforward. Prospective borrowers simply apply for the loan product that best suits the needs of their business. Soon after that, borrowers can view approvals and adjust the terms in an effort to set the ideal funding amount and loan term length. All closing documents can then be submitted entirely online and the loan is funded. This eliminates the guessing and waiting game that so many borrowers have to deal with when working with competitors. 

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The Bad

  • Founded in the Last Five Years

Founded in the Last Five Years

Clear was founded in 2019. Although it's only been a few years, the company is well-established, with its employees having decades of experience in the industry. Clear also has positive customer reviews, highlighting that customer satisfaction is high and that the company is a trusted business loan provider. 

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The Bottom Line

Clear provides a number of loan and funding solutions to small businesses all across the country. With so many loan products to choose from, business owners seeking a loan and funding are bound to find the solution that best suits their company’s needs.

The lender network is one of the most impressive aspects of Clear with over 100 to pull from. With its proprietary lender match technology, an average of 90 percent of Clear clients are approved for a loan product through the platform. The straightforward financing tactics implemented by Clear ensure that all business owners understand all associated terms of their loan and eliminate any potential confusion. 

Small business owners looking for a streamlined and straightforward lending process will likely benefit from what Clear offers to its clients. With a number of loan products to choose from at affordable rates, there is a solution for a plethora of small business needs. 

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Star Rating

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4.7

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114 Reviews

Review Breakdown

5 grade

90%

4 grade

7%

3 grade

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2 grade

0%

1 grade

3%

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Jose L

I am truly impressed with their service. They expedited my loan application, understanding the urgency of covering payroll. I received same-day funding, which alleviated a significant amount of stress and allowed my business to continue operating smoothly. Strongly recommended!

1 month ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Jun. 8th, 2024

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Nina Johnson

I recently had the pleasure of working with Joshua to secure a short term loan, and I couldn't be more impressed with the exceptional service he provided. From the moment I reached out, his professionalism and dedication were evident, guiding me through the entire process with expertise and care. I would recommend Clear and Joshua to any business owner.

2 months ago

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Reply from Clear

Hi Nina! Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Jun. 4th, 2024

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Verified Customer

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Review Source

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Samuel Felch Littleton, CO

Much better process than my local bank. It took my credit union one month to even process my application. They were inundated with loan applications so I needed to take another route. A friend of mine recommended Clear and she spoke highly of them, so I decided to give them a try. Their website was easy in the eyes and I was able to submit my application within minutes through their portal without any issues. I was approved for a short term loan within a couple of hours and the funds were in my account the next day. Clear is now my go-to company for business loans. They are truly phenomenal!

1 year ago

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Reply from Clear

Thank you so much for taking the time to leave us a positive review. We really appreciate your business and we’re so happy we were able to assist you with your financing needs! We look forward to working again with you in the future!

Jun. 4th, 2024

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Milo. 2brazy

Clear makes it easy to apply, answer questions quickly, and let you pay back the loan in a way that works best for you. Overall, they're great at getting businesses the money they need in no time.

2 months ago

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Reply from Clear

Thank you for the kind words! Our entire team is grateful for your business and we’re so happy you gave us the opportunity to help your business get the funding it needed. Please reach out to us anytime if we can assist further!

Jun. 4th, 2024

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Katie M

Clear was a lifesaver for my business, especially when it came to finally being able to upgrade our equipment. We'd been struggling with outdated machinery for far too long, but thanks to Clear we were finally able to make the necessary upgrades. It has completely transformed our operations and I'm so thankful!

3 months ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Jun. 4th, 2024

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Christian

When my business hit a rough patch, I decided to give Clear a try for some extra working capital. Their portal was informative and the application was easy to fill out. I managed to get funded quickly to keep my business operations going without any unnecessary stress :)

3 months ago

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Reply from Clear

Thank you so much for taking the time to leave us a positive review. We really appreciate your business and we’re so happy we were able to assist you with your financing needs! We look forward to working again with you in the future!

Jun. 4th, 2024

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Ariana Brooklyn, NY

Clear's team really helped my business out when we were struggling to get a loan from the bank. Clear was able to get us the money we needed fast and without all the extra paperwork the bank wanted. They're definitely a great choice if you need fast and easy funding for your business!

4 months ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Mar. 11th, 2024

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Review Source

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Natalia Murcia Aubrey, TX

I am genuinely amazed by the commitment of this team in securing the ideal loan for my business. Their level of dedication is outstanding, and their communication skills are exceptional. They truly went the extra mile to guarantee that I had access to the most advantageous financing options. Thank you, Clear, for your exceptional service!

5 months ago

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Reply from Clear

Thank you for leaving such a wonderful review. We know how busy you are and we really appreciate you taking the time out of your day to leave feedback. We look forward to working with you again!

Mar. 11th, 2024

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Stantely New York, NY

I'm truly impressed by the dedication of this team in securing the perfect loan for your business. Their diligence is remarkable, matched only by their exceptional communication skills. They went above and beyond to ensure that I received the best possible financing options. Thank you Clear!

5 months ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Mar. 11th, 2024

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Jessica New York, NY

Great company. Needed a quick loan for unexpected business expenses. The application was a breeze and Sabrina’s guidance was the best. Fast approval and I received the funds the next day!

5 months ago

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Reply from Clear

Thank you for the kind words Jessica! Our entire team is grateful for your business and we’re so happy you gave us the opportunity to help your business get the funding it needed. Please reach out to us anytime if we can assist further!

Feb. 9th, 2024

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Verified Customer

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Review Source

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Jeremy Maurice Miami, FL

Clear offers a variety of lending products with flexible terms. We are quite pleased with their rates and customer service. We strongly recommend Clear to all business owners!

1 year ago

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Reply from Clear

Thank you so much for taking the time to leave us a positive review. We really appreciate your business and we’re so happy we were able to assist you with your financing needs! We look forward to working again with you in the future!

Jun. 4th, 2024

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Verified Customer

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Review Source

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Vanessa Black The Bronx, NY

They were friendly, patient and informative with any questions or concerns I had. Their portal was very easy to use and they kept me updated until I received my money. Thank you so much for all your help!

1 year ago

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Reply from Clear

Thank you so much for taking the time to leave us a positive review. We really appreciate your business and we’re so happy we were able to assist you with your financing needs! We look forward to working again with you in the future!

Jun. 4th, 2024

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Burt Canty Fair Oaks, CA

I’m very pleased with their quick loan process. I would like to thank Josh for assisting us with our short term application. He was incredible to work with.

4 months ago

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Reply from Clear

Thank you for leaving such a wonderful review. We know how busy you are and we really appreciate you taking the time out of your day to leave feedback. We look forward to working with you again!

Mar. 22nd, 2024

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Alison Fernandez Long Beach, CA

I like how easy it is to apply for a loan with Clear. They’re transparent, portal was easy to navigate and their reps are AMAZING! 5+ stars for me ☺️

4 months ago

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Reply from Clear

Thank you Alison!Your feedback means so much. You were a pleasure to work with and we’re so happy you had such a positive experience! We hope we have the opportunity of working with you in the future!

Mar. 11th, 2024

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Mikey's Pizzeria

Josh, your support for my pizzeria has been invaluable. I truly appreciate your honestly, availability, and dedication to securing the best terms for me. YOU ARE AMAZING!

5 months ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Feb. 9th, 2024

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Lic Abh BA

Amazing loan process, incredibly staff with exceptional communication skills. I would recommend Clear to any business owner who wants to work with a reputable company.

5 months ago

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Reply from Clear

Hi Lic! Thank you for leaving such a wonderful review. We know how busy you are and we really appreciate you taking the time out of your day to leave feedback. We look forward to working with you again!

Feb. 9th, 2024

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William Chase Herndon, VA

Priscilla's kindness and assistance were truly wonderful. As an older individual, her help navigating their client portal meant a lot to me. I’m grateful for her assistance.

6 months ago

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Reply from Clear

Priscilla's kindness shines through in her support! We're grateful for your trust in us and Priscilla's assistance. Thank you for sharing your experience!

Jan. 5th, 2024

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Kashif Khan

I needed to renovate my medical practice and purchase some dental equipment, so I turned to Clear for a fast loan. Clear promptly approved my loan application, and the entire process was smooth with zero issues.

6 months ago Edited January 2, 2024

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Reply from Clear

Thank you Kashif! Your feedback means so much. You were a pleasure to work with and we’re so happy you had such a positive experience! We hope we have the opportunity of working with you in the future!

Feb. 9th, 2024

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Jerrod Gonzalez Chicago, IL

Getting a Line of Credit from Clear was a breeze. They were quick, cost-effective, and simple. Their transparent loan advisors and smooth process make them my go-to for loans.

7 months ago

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Reply from Clear

Thank you for the kind words Jerrod! Our entire team is grateful for your business and we’re so happy you gave us the opportunity to help your business get the funding it needed. Please reach out to us anytime if we can assist further!

Feb. 9th, 2024

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Jonathan R New York, NY

I found Clear’s online portal and fast response times to be a valuable asset when seeking a loan. It’s a relief to work with people who communicate and are helpful. Thanks again!

8 months ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Mar. 11th, 2024

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Review Source

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Isaac Ball Chicago, IL

I initially applied for a $500,000 SBA loan, but due to the lengthy 3-month processing time, my loan advisor helped me secure approval for a short-term loan. This interim loan allowed me to cover my immediate financial needs. Once I received the SBA loan, I used the funds to pay off the short-term loan. I would recommend Clear to any business.

9 months ago

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Reply from Clear

Thank you for your kind words and recommendation. We're delighted that we were able to help you navigate the challenges of a lengthy SBA loan processing time by securing a short-term solution. If you ever require our services in the future or have any inquiries, please feel free to contact us. Your success is our priority.

Sep. 26th, 2023

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Charles Lewis New York, NY

I've obtained Equipment Financing and a Line of Credit through Clear, both of which significantly contributed to the growth of my business. I really appreciate the convenience of their online portal, and if I ever decide to pursue another loan, I find it incredibly simple to apply by just submitting my latest bank statements. Their process is fantastic!

11 months ago

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Larry Cassidy Chicago, IL

We reached out to Clear to get more information on each of their products. They instantly made us feel like we were in good hands with them. They were attentive and supportive throughout the process. With their fast approval process, we were able to invest in marketing campaigns and boost our online presence. Our sales have soared since then! Thanks again Sabrina!

1 year ago

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Reply from Clear

Thank you for sharing your positive experience with us! It's fantastic to hear about the positive impact on your marketing campaigns and sales. If you need further support, feel free to reach out.

Aug. 15th, 2023

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Ruth Davis San Francisco, CA

I was unsure about the loan process, but the team at Clear was incredibly supportive and helped me navigate through the process seamlessly. I was amazed at how quickly they were able to provide me with the funding ($250k) I needed to purchase new equipment for my business. The rates and terms of the loan were reasonable and they are just truly amazing.

1 year ago

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Mary Gray New York, NY

I had an excellent experience with Clear. As a small business owner, I needed funding quickly and they were able to provide me with a short term loan in just 24 hours. The process was easy and straightforward, and their customer service team was incredibly helpful in answering all of my questions. I also appreciated the variety of financing options they offered, including equipment financing and SBA loans. Overall, I would highly recommend Clear to any business owner looking for fast and reliable funding solutions.

1 year ago

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Teresa Spurgeon San Francisco, CA

I recently applied for an SBA loan with Clear and I am blown away by the level of customer service. Their advisors are always available to answer my questions/address my concerns, and they go above and beyond to ensure that my financial needs are met. I am extremely satisfied with my experience so far and would recommend this company to anyone looking for a business loan.

1 year ago

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Minnie James New York, NY

One of the key advantages of working with Clear is their commitment to transparency and honesty. They provide clear and straightforward terms and conditions, so business owners like myself can understand exactly what they are agreeing to when they take out a loan. Overall, Clear is an excellent choice for businesses looking for a reliable and trustworthy partner.

1 year ago

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David Brown San Francisco, CA

I applied for a Line of Credit with my credit union and it took them weeks to process my application. I needed the funds immediately to renovate my restaurant and i couldn't wait for my bank anymore. Sabrina with Clear, reached out to me and guaranteed that I could receive funding in 1 day. I gave her a shot and she delivered right on time. I am very pleased with my experience and now I have a company that I can go to whenever I have a need for a business loan. Thanks again Sabrina for all your help.

1 year ago

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Moon's World

Their service is terrible. They highered me for putting fake reviews on this site. But at the end they didn’t clear my payment that's why i am writing this.i will continue like this. Hope they will contact me to pay my bill.

3 months ago

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Emily New York, NY

Clear helped my business by quickly securing the working capital I needed. I was able to get the money sooner than I expected!

5 months ago

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Reply from Clear

Thank you Emily! Your feedback means so much. You were a pleasure to work with and we’re so happy you had such a positive experience! We hope we have the opportunity of working with you in the future!

Feb. 9th, 2024

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River Lewis Oxford, NJ

Their short term loan has been a game-changer for my software company. I was able to purchase new tools, and hire additional staff. I truly enjoyed working with Clear.

6 months ago

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Reply from Clear

Delighted our short-term loan helped your software company thrive! It was a pleasure working with you. Thanks for choosing Clear!

Jan. 5th, 2024

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David Lingerfelt

Josh stands out as an exceptional loan broker whose honesty and straightforward approach sets him apart from the rest. I would highly recommend him to any business owner.

6 months ago

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Reply from Clear

Glad to hear Josh's honesty and straightforward approach made a difference for you! We look forward to working with you again.

Jan. 5th, 2024

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Ashley Ortiz Miami, FL

Clear's service truly amazed me. Their outstanding service warrants all the positive feedback they receive from other business owners. Highly recommended!

7 months ago

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Reply from Clear

Thank you so much for sharing your experience! We’re so happy you chose to work with us for your business financing needs and we look forward to a long lasting business relationship. Thank you again!

Feb. 9th, 2024

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Review Source

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Mikes Auto Shop Long Valley, NJ

We are truly amazed with Clear! Their service was dynamic and exceptional from the moment we started their application, making the entire process a breeze :)

8 months ago

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Reply from Clear

Thank you for the kind words! Our entire team is grateful for your business and we’re so happy you gave us the opportunity to help your business get the funding it needed. Please reach out to us anytime if we can assist further!

Mar. 11th, 2024

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Verified Customer

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Review Source

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Roberto New York, NY

I appreciate Clear for taking their time to help me understand which loan product was best for my business. Thanks again!

1 year ago

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Verified Customer

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Kelly Cooper Alexandria, VA

Wow! They work fast! It took them 6 hours to fund my business. I am not kidding. I am very pleased with my experience with Clear.

1 year ago Edited February 21, 2024

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Reply from Clear

We're thrilled to hear that your experience with Clear was seamless and stress-free. Delivering on our promises is our top priority, and we're here to assist you whenever you need us. Thank you for choosing Clear!

Sep. 26th, 2023

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Tanner Palacio New York, NY

Their expertise, personalized guidance, and commitment to finding the best financial solutions create positive experiences that leave clients happy and confident in their financial decisions. We're pleased to have discovered a company we can rely on with confidence.

10 months ago

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Reply from Clear

We greatly appreciate your feedback! We're committed to providing expert guidance and tailored financial solutions to ensure positive experiences for our clients. Knowing that you're happy and confident in your financial decisions with us is our ultimate goal. Thank you for choosing our services; we're here whenever you need us!

Sep. 26th, 2023

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Paul Shelton New York, NY

Clear's commitment to supporting businesses is commendable. The loan I received allowed me to hire more staff, and their flexibility in terms has been a lifesaver. I'm grateful for their role in my business's success.

11 months ago

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Glen Jones Miami, FL

After listening to their recent radio advertisement, I felt that the timing was ideal for me to go ahead and apply for a loan. I’m very pleased with Clear and their terms. I will apply with them again in a month or two.

11 months ago

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Daniel Vazquez

Through Clear’s portal, I applied for both an SBA loan and a short-term loan, and the entire process was seamless. While the SBA loan took a few months to close, the short-term loan played a crucial role in keeping my medical practice afloat during that time.

11 months ago

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Reply from Clear

We're pleased our portal made your loan application seamless. We understand the importance of timely support, and we're glad the short-term loan helped your medical practice during the SBA loan process. Thank you for sharing your experience with Clear!

Aug. 15th, 2023

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Johnnie Scott New York, NY

I have worked with Clear four times, and every experience has been exceptional. Their loan advisors consistently go above and beyond, leaving me thoroughly satisfied. Without hesitation, I would recommend them repeatedly.

11 months ago

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Reply from Clear

We're honored to have earned your trust again. Delivering exceptional experiences and going above and beyond is what we strive for. Thank you for your continuous support!

Aug. 15th, 2023

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Review Source

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Pitar Mark

I needed to renovate my medical practice and purchase some dental equipment, so I turned to Clear for a fast loan. Clear promptly approved my loan application, and the entire process was smooth with zero issues.

6 months ago

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Reply from Clear

We're thrilled that the process was seamless and issue-free for you. Thanks for sharing your positive experience!

Jan. 5th, 2024

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Dennis Wojcik New York, NY

Clear has my utmost gratitude for granting me a $500,000 SBA loan. I cannot express my appreciation enough. With the funds, I invested in renovations and equipment, which played a pivotal role in tripling the growth of my business. I strongly recommend Clear without hesitation.

1 year ago

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Reply from Clear

We're truly honored to have been able to support your business with a $500,000 SBA loan. Your success is our reward, and we're thrilled that the funds contributed to such significant growth. Thank you for your recommendation, and if there's anything else we can do to assist you in the future, please let us know.

Aug. 15th, 2023

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Jeffrey Gamache

I just received funding from Clear and all I can say is wow! I am truly impressed with them. I generally don't write reviews but If you need immediate funding for any business expense, apply with clear. You will not regret it.

1 year ago

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Reply from Clear

Hi Jeffrey,

Thank you for sharing your experience with us. It's truly rewarding to know that we were able to meet your expectations and provide you with excellent service. We appreciate your support!

Jun. 23rd, 2023

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Jerry Kelley Las Vegas, NV

I've worked with several banks in the past and their application process was long and tedious. The loan process was much different with clear. They work fast and their online application was extremely easy. It took me 5 minutes to complete and I received offers within 4 hours. I'm truly pleased with my experience.

1 year ago

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Reply from Clear

Hi Jerry,

Thank you so much for your amazing review! We're thrilled to hear that you had such a positive experience with us. Our team works hard to provide the best service possible, and it's incredibly rewarding to know that we met your expectations. We look forward to working with you soon.

Jun. 23rd, 2023

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Carl Cox San Francisco, CA

Clear helped me obtain a $150,000 short term loan for my business so I can renovate and purchase equipment. All I can say is I am very pleased with their service. The funds were available the next business day as promised without any headaches. I will definitely use them again for any future needs.

1 year ago

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Jack Lynch New York, NY

I have been a customer of Clear for several years now, and I can honestly say that their service is exceptional. Their team is knowledgeable and always willing to help me with any questions or concerns I have about my business loans. I rate Clear 10+ stars!

1 year ago

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David Shaw

Clear is a fantastic option for businesses looking for reliable and flexible financing solutions. They offer business loans that are tailored to meet the unique needs of each individual business, and their rates are affordable. I am very pleased with my experience

1 year ago Edited April 14, 2023

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Cedrick Gallo

Clear was quick, professional, personable, and overall outstanding to work with. I was very impressed with how responsive they were through out the whole process. They offer several options that may be a good fit for your business. It doesn't hurt to try them out. I highly recommend Clear.

1 year ago

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Jesse Cox

Josh is the absolute best at what he does and I highly recommend working with him and Clear. He helped moved the process along at a rapid pace while providing thoughtful guidance. His level of thoroughness was truly unmatched. Thanks Josh!

1 year ago