Small business funding
Working capital,
when opportunity knocks.
Clover Advance gives growing businesses fast, flexible funding. Apply in minutes, get a same-day decision, and receive money in your account as soon as the next business day.
Applying won't affect your credit score.
Illustrative example. Actual terms depend on your business.
How it works
Funded in three simple steps
No stacks of paperwork, no waiting weeks for a bank. Just a straightforward path from application to money in the bank.
One quick form
Fill out a single short form and send your three most recent business bank statements. That's all we need to get started — no lengthy paperwork.
Get your offer
Receive a same-day decision with clear, upfront terms. One flat fee, spelled out plainly — no hidden costs.
Get funded
Accept your offer and the money lands in your account as soon as the next business day. Put it to work right away.
Why Clover Advance
Funding that's actually on your side
We built Clover Advance to be the lender we wished we'd had — transparent, fast, and genuinely human.
Transparent terms
One simple fee, shown before you commit. No compounding interest, no surprise charges buried in fine print.
Built for your cash flow
Repayment flexes with your revenue, so slower weeks feel lighter and busy weeks move you ahead faster.
Real humans
You get a dedicated funding advisor who knows your account — not a call-center queue or an endless phone tree.
Fast & secure
A decision while you wait and bank-level encryption on every step. Your data is protected from the first click.
"We needed to restock before our busiest month and the bank wanted six weeks. Clover Advance had the funds in our account the next morning. It genuinely felt like a bit of luck when we needed it most."
Owner, Kelly & Sons Hardware
Questions
Good to know before you apply
How much can I qualify for?
Most businesses qualify for between $5,000 and $500,000. Your offer is based on your revenue and time in business, and you'll see the exact amount before you accept anything.
Will checking my rate affect my credit?
No. Checking your rate uses a soft inquiry that has no impact on your credit score, so you can see your options with no risk.
How fast can I get funded?
Many customers receive a decision the same day they apply and see funds in their account as soon as the next business day once they accept an offer.
What do I need to apply?
Just the basics: a few details about your business and your three most recent months of business bank statements. No tax returns or business plans required.
Is there a cost to apply?
None at all. Applying and reviewing your offer is completely free, and there's no obligation to accept. You only pay the agreed flat fee if you take the funding.
Your next opportunity is waiting
See what you qualify for in a few minutes. No paperwork, no impact to your credit, no obligation.
Prefer to talk it through? Our funding advisors are here Mon–Fri, 8am–7pm ET.