Working capital,
when opportunity knocks.
Clover Advance funds small businesses with its own capital. No broker in the middle, and decisions that look at how your business actually runs — not just a credit score.
We're a direct funder, so you deal with us start to finish.
Funded in three simple steps
Straightforward from first hello to funding — because you're working with the funder, not a middleman.
One quick form
Tell us a little about your business and how we can help. No long application to start the conversation.
We review your business
We look at real revenue and cash-flow patterns to understand what would genuinely help — not just a score.
Get funded
Because we fund directly, there's no file passed down a chain. You talk to us, and we make the decision.
Funding that's actually on your side
What it means to work with a direct funder instead of a broker.
Our own capital
We fund deals ourselves. No broker markup layered on top, and no handing your file off to someone else.
Terms explained up front
We walk you through how it works in plain language before anything is decided — no fine-print surprises.
Judged on your real business
We weigh how your business actually runs — cash flow and revenue — not a credit score alone.
Good to know before you apply
Honest answers to the questions owners ask us most.
What is a merchant cash advance?
It's working capital advanced to your business, repaid over time from your revenue. It's not a traditional loan, and we'll explain exactly how it works for your situation.
What does "direct funder" mean?
It means Clover Advance funds with its own capital and makes its own decisions. You're not talking to a broker who shops your file around and adds a markup.
Why don't you list rates or amounts online?
Every business is different, so rates, amounts, and terms are set only after we review a real application — never promised up front.
Will applying hurt my credit?
Reach out and we'll explain what a review involves before anything happens, so there are no surprises.
From the blog
Plain-English guides to working capital for small businesses.
No problem â€" here's the article as text instead of a file. Year End Equipment Buys: A Practical Timeline for Small Business Owners Weighing Their Options If you run a small busin…
Writing the article directly â€" this is a content task, not something the available coding/dev skills apply to. Why Trucking Cash Flow Breaks Down Between Load Booked and Load Pai…
Why Clover Advance Will Sometimes Tell You Not to Take an Advance Most funding companies want you to say yes. We want you to make the right call, even when that call is no. Here is…
Your next opportunity is waiting
Tell us about your business and we'll reach out. You'll be talking to the funder — not a middleman.
Talk to us