We say
"YES"
when the banks say no.
We understand your financing challenges and will use our expertise to solve them.
10
Years in business
500
In Funding
Clear Skies Capital® is in the business of “yes” — to help your business grow.
With over 20 years of expertise providing capital to businesses, we offer
unparalleled access to a diverse range of financial products.
unparalleled access to a diverse range of financial products.
Why work with
Clear Skies Capital®
Our vision is to provide our clients a human-centered customer service approach, redefining the landscape of business funding.
Top 5 benefits to working with us
- Funds from $5000-$1,000,000
- Use money for nearly any business expense
- Finance new or pre-owned equipment
- Flexible repayment structure
- Repay with future credit card sales
What makes our financing better?
We offer efficiency, speed, and competitiveness, all while maintaining an unwavering commitment to personalized service, ensuring every client feels heard, supported, and empowered on their path to success.
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|
Clear Skies Capital®
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Traditional(LOC)
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Traditional(Loan)
|
SBA 7(a) Loan
|
|---|---|---|---|---|
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Processing Time
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24-72 Hours
|
45+ Days
|
45+ Days
|
45+ Days
|
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Requirements
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||||
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Business Type
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All Types
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Businesses with operating history (typically more than a year) and revenue
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Businesses with operating history (typically more than a year) and revenue
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Small Business as defined by the SBA
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Location
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Operating Business in the United States
|
Varies
|
Varies
|
US Only
|
|
Business Plan
|
No
|
Yes
|
Yes
|
Yes
|
|
Profitable
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Varies
|
Varies
|
Varies
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Yes
|
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Cash Flow
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< 3-6 days of negative balances
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Varies
|
Varies
|
Varies
|
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Outstanding Debt/Credit
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Credit-worthiness of business assures repayment of loan (FICO + Various measurements)
|
Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
Credit-worthiness of business assures repayment of loan
+ No delinquent debt to U.S. government +660+ FICO |
|
Collateral
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No
|
Yes
|
Yes
|
Yes
|
|
Money Down
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No
|
Yes
|
Yes
|
Yes
|
|
Terms
|
||||
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Loan Amount
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Up to $10million
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Typically, 60% to 80% of collateral’s assessed value
|
Typically, 60% to 80% of collateral’s assessed value
|
Up to $5 million
|
|
Interest
|
Fixed interest rate with flexible payment terms
|
Fixed and variable rate loans, based on qualifications and prime rate
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Fixed and variable rate loans, based on qualifications and prime rate
|
Fixed and variable rate loans, subject to SBA maximums pegged to the prime rate
|
|
Repayment Terms
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Fixed or variable monthly payments, which can be based on monthly revenue or cash flow
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Monthly payments of principal and interest from the cash flow of the business
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Monthly payments of principal and interest from the cash flow of the business
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Monthly payments of principal and interest from the cash flow of the business
|
|
Maturity Terms
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Up to 48 months
|
Varies, short- and long-term loans
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Varies, short- and long-term loans
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Up to 10 years for working capital
|
|
Out of pocket fees
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No
|
Yes
|
Yes
|
Yes
|
|
Prepayment Penalty
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No
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Varies
|
Varies
|
Yes
|
|
Use of funds restrictions
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No
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Yes
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Yes
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Yes
|
|
Covenants
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No
|
No
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No
|
Yes
|
What our clients are saying!
Clear Skies Capital proudly maintains a 5 star review rating from our loyal clients. Please read what our happy customers have to say about working with us.
I had some Challenges because of a recent business situation and somehow J. Thorn got it done.Much appreciated, Paul MoranoOwner Monster Tree Service
Working with this team has been a fantastic experience! They are incredibly responsive and provided me with numerous options to choose from. I highly recommend them for all your financial needs!
Clear skies capital it’s a great company to work with when it comes to solve a financial project they’re very professional and dedicated to approve the loan in a matter of days I’m grateful for them they helped me few times to rich my gol thank you again for all of you guys at clear skies capital
Super easy to work with but what was more important to me was the detailed explanations of how the process works. Having my nerves settled by both Jeff and Josh were much appreciated.
Jeff and Gene at Clear Skies Capital are amazing people. The company is first in class and have become an important part of my business. I can not thank the whole team enough. I will try forever though!!!!
Financial Resources
Not sure what type of business funding is right for you? The following financial articles will help you decide which type of business financing is right for you.