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.

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

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.
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!

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.