Business Funding
When The Banks Say "No!", We Say "YES!!"
Although Small Businesses are "the backbone" of the U.S. Economy, 84.3% of all Businesses will not qualify for funding from a Bank or Traditional Lending Institution.
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At The CLAPP Group through our partnerships with our Lenders, we have the solutions for over 90% of all Businesses in terms of funding.
Instant Micro Business Funding
Most Funding Sources Ignore Micro Businesses - but we don't! If your Business is doing $3,000 - $20,000 per month and you have been in business for 3+ months, you may qualify
Same Day Funding For Smaller Businesses And Gig Workers.
Get Up To $20k Today!
Basic "Revenue-Based" Funding
Minimum Requirements:
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Business revenue of $15,000+ per month for the last three months (verified through bank statements).
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A business checking account (personal accounts do not qualify).
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Owner FICO score of 550+ (lower than most traditional lenders require).
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Minimal days with a zero balance and limited NSF (non-sufficient funds) occurrences in the last month.​
Our process is designed to approve businesses faster and more often than banks, with no collateral required and a simple online application.
Working Capital
This loan is intended for business owners who are seeking funding for their day-to-day operations, such as payroll, purchasing inventory, business expansion, etc.
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Loan amount $50K up
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Terms may vary based on need. Max term is 10 years
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Min credit score 660
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Two years in business​
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Document needed: Application; Two years of business tax returns; Two years of personal tax returns (in some cases); YTD Profit and Loss; Balance Sheet; Debt Schedule; and ID
Basic Business Line Of Credit
A Revolving Business Line of Credit (LOC) allows you to draw funds against it, at your discretion, up to the credit limit. Because it is "Revolving" as you pay it back, those funds become available again to use. You only pay interest on the funds you have taken out.
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Our Basic Business LOC ranges from $5,000 - $150,000
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2+ Years in business​
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680 Personal FICO Score
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$20,000 per month in revenue
Term Loans
Term loans are ideal for businesses with annual revenues of at least $500,000 looking for an alternative finance option when traditional bank lending options may be unavailable or you don’t want to pay the high cost associated with quick cash loans.
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B2B companies with at least $500,000 in gross annual revenues
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Companies with recurring or predictable revenue
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12 months - 5 years
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$50,000 to $2 million with possible follow-on funding
Business Acquisition Financing
This loan is intended for business owners who are seeking funding to purchase a business.
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Loan amount $350K to $10M
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Terms vary based on need. Max term is 25 years
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Min credit score 600
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Document needed: From buyer: Application Two years of business tax returns for all businesses owned Two years of personal tax returns (in some cases) YTD Profit and Loss Balance Sheet Debt Schedule ID Resume Form Seller Two years business tax return YTD P&L
Accounts Receivables (AR) Funding
Accounts receivable or AR financing is a type of financing arrangement that is based on a company receiving financing capital in return for a chosen portion of its accounts receivable. An AR financing arrangement can be structured in several ways, including as an asset sale or a loan.
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Loan amount: $100K to $50M
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Advance rate 80% to 90%
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One year term Non-recourse available
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Document needed: Application; One-year business tax return; ID; Current Aging of Accounts Receivable; Entity Documents; Invoices for Funding; Financial statement; and Customer list
Restaurant & Industry Specific Financing
The #1 Lender for Restaurateurs
we’ve engaged with thousands of restaurant owners over the years who struggle to get the funding they need or the loan terms that make sense to keep their businesses profitable and moving forward.
As the restaurant industry experts, our team of seasoned loan consultants specialize in providing the trusted financial guidance you deserve with industry-leading loan products that are designed (and can be customized) specifically for your unique circumstances. What’s more, we live and work in your community, understand your local market and are committed to assisting you throughout the life of your business.
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Our focus is to get you the capital you need when you need it, while providing affordable, fixed payments to help you maximize your return on investment without sacrificing your cash flow. ​Through us you get:
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Industry expertise to customize a financial solution for your individual business situation
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One-on-One personalized support
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Quick online approvals and fundings in as little as 3 days
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Fixed repayment terms from 12 to 36 months
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Optional Line of Credit with 24-hour access to 5 loan drafts for 6 months
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Early Payoff options are available
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Equipment Funding
Equipment financing refers to a loan used to purchase business-related equipment, such as a restaurant oven, vehicle, or copy machine.
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Loan amount $10K to $1M
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12, 24, 48 or 60 months term
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Min credit score 630
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Start up business OK (Max loan $50K)
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5 day funding
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Document needed: Application; Invoice from the vendor showing equipment specs; Vendor has to be based in the US (or has office in the US)
Truck & Heavy Equipment Funding
From backhoes to bulldozers, from pavers to rollers, from dump trucks to 18-wheelers. Heavy equipment loans allow businesses to borrow money to purchase heavy machinery and make payments on a schedule rather than having to pay upfront.
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Loan amount $10K to $1M
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12, 24, 48, or 60 months term
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Min credit score 650
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Start-up business OK
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No private sale
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Document needed: Application; and Invoice from the dealer showing equipment specs.
Gap Funding / NINA
A mid-term loan in the form of unsecured cash. These programs require no collateral only a personal guarantor. Clients can use the fund freely for any purpose.
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Minimum 660 Credit Score
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No More Than 6 Inquiries in The Last Six Months.
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3 open active trade lines
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No New Lines of Credit or Revolving Accounts in The Last Six Months.
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Minimum of 6 Months At The Same Job With 1 Year of Continuous Work History of W-2 Employment.
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Retirement or Disability Income $27,000 annual income
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Ideally, No More Than 60% of Your Total Available Credit Usage
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Any Bankruptcies Must Have Been Discharged 2+ or More Years Ago
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72 years of age or younger
"High-Limit" Revenue-Based Financing
"High-Limit" Revenue-Based Financing isn’t your traditional loan. Instead, it’s a financing solution that allows your business to secure capital—quickly and easily—by leveraging your business’s future sales.
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"High-Limit" Revenue-Based Financing can yield funding amounts as high as $10 million, making them a great alternative to traditional business loans. Even better, they’re much more accessible than other types of financing.
Whether you’re a startup, a young business, or a seasoned veteran of your industry, "High-Limit" Revenue-Based Financing can be an advantageous method of securing the funds you need to capitalize on opportunities and solve challenges.
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> Revenue-based financing often comes with less restrictive eligibility criteria. To qualify you’ll need:
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1+ year in business
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$500,000 in annual sales
That’s right—there’s no credit score requirement when you secure "High-Limit" Revenue-Based Financing with us. Our team draws on extensive lender relationships to secure approvals that competitors can’t, giving you an undeniable edge as you look to grow and outpace your competition.
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