Frequently asked questions about Clarify Capital

Clarify Capital offers personal and small business loans in the $500 to $5,000 range. This focus on smaller loan amounts is deliberate. We have learned that borrowers in this range often have specific, short-term funding needs that are well-served by a focused product set and a patient explanatory conversation. Larger amounts are available through other lenders in the broader market, but our team specializes in the experience of borrowers seeking $500 to $5,000 in funding.

To apply through Clarify Capital you must be at least 18 years of age, a legal U.S. resident with a valid Social Security number, and have a U.S. bank account in your own name. For personal loans, you must have a regular source of income that can be verified. For business loans, your business must be U.S.-based and generally have at least six months of operating history, though some specialized products are available for newer businesses. Specific eligibility criteria vary by product and by the partner lender ultimately providing the loan.

The most consistent clarify capital requirements across our product set include U.S. residency, an age of at least 18 years, a verifiable source of income, and a U.S. bank account. Additional product-specific requirements often include minimum credit score thresholds, minimum time in business for business loans, and minimum monthly revenue for working capital and line of credit products. We surface the specific requirements for any product you are considering during the application process so that you can decide whether to proceed before investing time in formal documentation.

Funding timelines depend on the loan product and the partner lender. For most personal loans and small business working capital loans, the typical timeline from completed application to funds in your account is one to two business days. Equipment financing can sometimes take slightly longer because the equipment seller is involved in the transaction. SBA-backed loans take weeks rather than days due to the additional documentation and approval steps the SBA process requires. We give you a realistic timeline expectation during the application based on the specific product and lender being matched to your situation.

The initial application uses a soft credit check, which allows us to make a preliminary match without affecting your credit score. Only if you choose to move forward with a specific lender to a final offer will that lender typically pull a hard inquiry, which can have a small temporary impact on your score. We make this distinction clear during the application so that you can manage your credit thoughtfully through the process.

No. Clarify Capital does not require account creation. The application process is designed to work without a login, and your information is saved through the secure application platform our partner uses for intake. This design choice is deliberate; we believe requiring account creation introduces friction that does not serve borrowers and that can deter people from completing applications they would otherwise benefit from.

There are no fees to submit an application or to receive a preliminary match through Clarify Capital. Any fees associated with a specific loan, such as origination fees, are disclosed by the partner lender in the loan documents before you sign. We never charge borrowers for the initial application or for the matching process.

Less than perfect credit does not automatically disqualify you from receiving an offer. Different lenders in our network have different underwriting standards, and some products are specifically designed for borrowers whose credit profile is not at the prime tier. Other factors, including your income, your time in business if applicable, and your recent payment history, often play significant roles in the decision. The honest answer about credit is that it matters but it is not the only thing that matters, and the only way to know whether you qualify for a particular product is to apply.

Our current rating is 4.8 stars across 3,960 verified ratings, with thirty written reviews displayed on our reviews page. The distribution of ratings has been stable across reporting cycles, with about ninety-four percent of borrowers rating their experience as four or five stars. We encourage you to read the written reviews directly and form your own view rather than relying on summary numbers alone. We have also published a comparison page that summarizes fourteen other established U.S. lenders so that you can evaluate us in context.

For personal loans, the use of funds is generally flexible — common uses include medical expenses, car repairs, security deposits, and other personal needs. For business loans, the use of funds is also generally flexible, though some specialized products like equipment financing are tied to specific asset purchases. We may ask you to describe the purpose during your application because it helps us match you to the right product, but the legal flexibility on use of funds is broad for most of our standard products.

For personal loans, you typically need to provide identity verification documents, proof of income (recent pay stubs or tax returns for self-employed borrowers), and bank account information. For business loans, additional documents often include recent business bank statements, a basic description of how funds will be used, and identity verification for the business owner. SBA-backed loans require considerably more documentation, including business and personal tax returns and financial statements. We provide a specific document checklist during your application.

Yes. Our application platform uses standard industry encryption to protect your data in transit, and our partner lenders are bound by financial industry data protection requirements. We do not sell or share your information with third parties for advertising purposes. If you decide not to move forward after submitting an application, you can request that we delete your data by emailing us at the address shown in the footer of every page, and we will do so within one business day.

If you anticipate being unable to make a scheduled loan payment, contact your lender directly as soon as possible. Many lenders are willing to discuss hardship accommodations if the conversation happens before a payment is missed rather than after. The specific options available vary by lender and by the terms of your loan agreement. As a general rule, proactive communication produces better outcomes than going silent, both for the immediate situation and for your longer-term credit profile.

For most of our personal loan products, co-signers are not currently supported. Some specialized products may accommodate co-signers under specific circumstances. For small business loans, owners with twenty percent or more equity in the business are typically required to personally guarantee the loan, which functions similarly to co-signing for the business entity. We can explain the specifics of any product during the application.

For most products in our network, there are no prepayment penalties; you can pay the loan off early without additional charges and you save the interest you would have paid over the remaining term. Some specific products may have early payoff provisions that affect the savings calculation, and we recommend confirming in writing with the specific lender before signing. We surface this information during the application when it applies to a particular offer.

Clarify Capital is available to U.S. residents in most states, though specific products are not available in every state due to varying state lending regulations. We will tell you during the application whether a particular product is available in your state and offer alternatives if it is not. Our team is based in Wilmington, Delaware, and we are licensed and registered as required for the activities we perform.

Loan applications must be submitted by the borrower themselves. This is both a regulatory requirement and a practical one — the borrower needs to have full knowledge of the loan terms and the obligation being taken on. We are happy to answer questions from family members or business partners who are helping someone prepare to apply, but the application itself needs to be submitted by the person whose name will appear on the loan documents.

Clarify Capital is compensated by partner lenders when a loan funds successfully through our platform. The compensation does not affect the rate or terms offered to the borrower. We are transparent about this arrangement because we believe borrowers deserve to understand how the platform works. The arrangement also means that we have a direct interest in matching borrowers to products that work well for them — borrowers who default or have negative experiences do not produce repeat business or positive word of mouth, both of which are important to the long-term health of our platform.

A marketplace lender typically presents borrowers with offers from a wide range of partner lenders, sometimes dozens, with limited curation. Clarify Capital is more curated — we maintain relationships with a smaller number of partner lenders whose underwriting and customer service have been consistent over time, and we focus on smaller loan amounts in the $500 to $5,000 range. Some borrowers prefer the breadth of a large marketplace; others prefer the focused experience we offer. Neither approach is universally better; the right choice depends on the borrower's priorities.

The fastest way to reach a real person is to call us at 888-403-5989 during business hours. Email responses to [email protected] generally arrive within one business day. We do not use chatbots for substantive conversations; every meaningful interaction is with a member of our team. Our office address is 4392 Pinehurst Drive, Suite 807, Wilmington, Delaware 19801, and physical mail is welcome though it is generally not the fastest way to communicate with us about a time-sensitive loan question.