We say
"YES"
when the banks say no.
Years in business
In Funding
Clear Skies Capital® is in the business of “yes” — to help your business grow.
unparalleled access to a diverse range of financial products.
Why work with
Clear Skies Capital®
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?
|
Clear Skies Capital®
|
Traditional(LOC)
|
Traditional(Loan)
|
SBA 7(a) Loan
|
---|---|---|---|---|
Processing Time
|
24-72 Hours
|
45+ Days
|
45+ Days
|
45+ Days
|
Requirements
|
||||
Business Type
|
All Types
|
Businesses with operating history (typically more than a year) and revenue
|
Businesses with operating history (typically more than a year) and revenue
|
Small Business as defined by the SBA
|
Location
|
Operating Business in the United States
|
Varies
|
Varies
|
US Only
|
Business Plan
|
No
|
Yes
|
Yes
|
Yes
|
Profitable
|
Varies
|
Varies
|
Varies
|
Yes
|
Cash Flow
|
< 3-6 days of negative balances
|
Varies
|
Varies
|
Varies
|
Outstanding Debt/Credit
|
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
|
No
|
Yes
|
Yes
|
Yes
|
Money Down
|
No
|
Yes
|
Yes
|
Yes
|
Terms
|
||||
Loan Amount
|
Up to $10million
|
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
|
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
|
Fixed or variable monthly payments, which can be based on monthly revenue or cash flow
|
Monthly payments of principal and interest from the cash flow of the business
|
Monthly payments of principal and interest from the cash flow of the business
|
Monthly payments of principal and interest from the cash flow of the business
|
Maturity Terms
|
Up to 48 months
|
Varies, short- and long-term loans
|
Varies, short- and long-term loans
|
Up to 10 years for working capital
|
Out of pocket fees
|
No
|
Yes
|
Yes
|
Yes
|
Prepayment Penalty
|
No
|
Varies
|
Varies
|
Yes
|
Use of funds restrictions
|
No
|
Yes
|
Yes
|
Yes
|
Covenants
|
No
|
No
|
No
|
Yes
|
What our clients are saying!
Michael Bernal
Kurt Crowell
We had a great experience with Jeff and Clearskies capital. Things went very smoothly and received the money quickly for our business. Thank you for everthing!
Tracy Shur
Jeff at Clear Skies Capital was GREAT! He made the process so simple and understandable. Very quick to respond and very professional. We highly recommend!
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