Clear is not a metaphor. It is a procedural commitment: the rate you will pay, the fees you will be charged, the schedule you will keep, and the consequences of missing a payment are written down in plain English and put in front of you before any signature is required. There is nothing on the back of a contract you have not already read on the front. There are no surprise fees. There is no language designed to be skimmed past. We treat the terms as the product, and the product is something an established business owner should be able to evaluate in an afternoon, not reverse-engineer six months later.
Principle 01
We are independent.
Clear Business Funding is an independent business lender headquartered at 30 N Gould Street in Sheridan, Wyoming. We are not a marketplace, a broker, or a referral network selling your application to the highest bidder. When you talk to us, you are talking to the people who will underwrite, document, and service the loan.
Independence means we can make a decision in writing without waiting on a third party, and it means there is one team accountable for the outcome from the first conversation through the final payment. It is a smaller surface, deliberately. It is also why the terms can be written the way they are.
Principle 02
We finance established businesses.
We work with U.S. businesses that have been operating for at least one year and are generating roughly $100,000 or more in annual revenue. Those two thresholds are not arbitrary — they are the line below which the math we do does not work for either side. A business younger than that is still proving its model; a business smaller than that has narrower options that other channels are better positioned to serve.
Above the line, our standard credit floor is a 650 personal score, and we read the financials of the business itself with as much weight as the personal credit profile. The result is a smaller, better-fitted book of customers, and lending decisions that match the operating reality of the businesses we say yes to.
Principle 03
Everything is disclosed before it is signed.
Pre-qualification uses a soft credit pull, which does not affect a personal credit score. The hard inquiry happens only when a full application is submitted with explicit permission. Rate, term, and fee schedule are written into the offer document. There is no prepayment penalty on our products — if a loan can be paid off early, it can be paid off early without an extra charge.
None of this is unusual to ask for. It is unusual to receive without asking. The point of putting it on the page is to remove the asking step, so the conversation can be about whether the financing fits the business rather than about what the financing actually is.
That is the whole philosophy. Three lines on a page, and a great deal of operational discipline behind them. If your business fits the profile above, the next step is the product itself.