Business Funding for US Operators — All 50 States
Working capital loans, MCAs, equipment financing, and lines of credit for American businesses. Same-day funding available. One application, 15+ lenders competing for your business.
All 50 states covered. Same-day funding available for qualified applicants.
US Business Lending: The Full Landscape
The US alternative lending market is the largest in the world — and also the most complex. Dozens of lenders offer similar-sounding products with wildly different pricing, approval criteria, and repayment structures. Navigating it alone, applying to lenders one at a time, is how operators end up with the most expensive funding rather than the best-fit funding.
ClearSide gives US operators a single application that reaches the lenders most likely to approve them at competitive rates. We cover all 50 states and all common business structures — from sole proprietors and single-member LLCs to multi-entity operators with complex ownership structures.
Products range from same-day emergency MCAs to multi-year equipment loans and revolving lines of credit. The right product depends on your use case, revenue, credit profile, and how much time you have before you need the money.
US Business Funding Products
All products available to eligible US businesses. Rates and amounts vary by lender and applicant profile.
Merchant Cash Advance (MCA)
$5,000 – $1,000,000Term
3 – 12 months
Min. Credit / Fund Time
500+ · 24 hours
Notes
Factor rate pricing. Daily ACH repayment tied to revenue. Widely available across industries.
Short-Term Business Loan
$10,000 – $2,000,000Term
3 – 24 months
Min. Credit / Fund Time
550+ · 24 – 48 hours
Notes
Fixed daily or weekly ACH. Lump sum disbursement. No collateral for amounts under $500K.
Business Line of Credit
$10,000 – $500,000Term
Revolving
Min. Credit / Fund Time
600+ · 2 – 5 days
Notes
Revolving credit. Only pay interest on what you draw. Ideal for seasonal businesses.
Equipment Financing
$5,000 – $2,000,000Term
2 – 7 years
Min. Credit / Fund Time
550+ · 1 – 5 days
Notes
Equipment as collateral. Lower rates. New and used assets eligible. Section 179 eligible.
Invoice Financing
Up to 90% of invoiceTerm
30 – 90 days
Min. Credit / Fund Time
No minimum · 1 – 3 days
Notes
Advance against B2B invoices from creditworthy clients. Repaid when invoice clears.
SBA Loan Alternatives
$50,000 – $5,000,000Term
1 – 10 years
Min. Credit / Fund Time
650+ · 1 – 4 weeks
Notes
Non-government products with similar structure to SBA 7(a) but faster approval process.
All 50 States Covered
ClearSide and our lender network serve US businesses in every state.
Northeast
Southeast
Midwest
Southwest & Mountain
West Coast & Pacific
US Business Funding — Apply in 5 Minutes
All 50 states. Same-day funding available. One application, 15+ lenders.
US Business Funding FAQs
American Business? Get Funded Fast.
All 50 states. All business structures. Same-day funding available.