Fund your business with Clover Capital

Clover Capital is an easy way to access the funds you need, turning your future credit and debit card sales into working capital geared to help your business grow. Our goal is to provide your business the funds to use on anything you need.

Clover Capital is not a loan. It's an advance of funds based on your future sales.

Quick approval

Apply faster than you would for traditional loans. Approvals typically take 1-2 business days.

Fast funding

Once you’re approved, you’ll see your working capital in your bank account in just 2-3 business days.

Easy payment

Clover Capital is based on your future sales, and paying for your advance is worry free. You pay more when your sales are strong; less if sales slow down.

Fast, flexible financing for your business

Quick and convenientBased on your recent processing history, we will determine the funds you may be eligible to receive in Clover Capital funding. Applying does not affect your credit score.
How to qualifyYou must be in business for more than 6 months and process a minimum monthly volume of $1,000 for 3 months in credit and debit card transactions. Additional qualifications apply. Terms and Conditions apply.
Flexible termsWe offer larger cash advance amounts where you can choose what makes sense for you. A percent of your daily sales is automatically set aside to pay for your cash advance with flexibility. Applying for more capital is even easier once you establish history.

Let's fund your business

Refresh your spaceRenovate your location to enhance your brand and your customers’ experience.
Upgrade equipmentGet the hardware and equipment you need to streamline your space and operations.
Hire more employeesStaff up and invest in the people who’ll help take your venture to the next level.
Open new locationsExpand your reach, extend your footprint, and experience the growth that drives success.
Amplify your marketingReach a larger audience with smart, creative marketing initiatives.

How to use Clover Capital

1. Apply

If you’re eligible, you will receive an email offer. Login into the Clover Dashboard to view the pre-filled application.

2. Choose your best offer

Compare your offers and choose the one that fits the needs of you and your business.

3. Get funded

Once approved, you will be able to see available funds in your account in as quick as 2-3 business days.

4. Enjoy automated payments

Clover Capital automatically sets aside parts of your sales so you never have to worry about a due date.

5. Repeat

Pre-approval is even easier once you establish a payment history. Get more funds as your business grows.

Learn more about Clover Capital

Clover Capital on your dashboard

Watch for an email invitation from us, or log into your Clover Dashboard to see if you might be already pre-qualified.

Frequently Asked Questions

Am I eligible for Clover Capital?

Select Clover merchants in the United States and Canada are currently eligible. If you’re eligible for Clover Capital, you will receive an email to apply for funding. When you login to the Clover Dashboard, a message will also appear inviting you to view your available funding offers.

Clover Capital is available to merchants who have been processing with Clover or its approved resellers for at least 90 days and must be in business for at least 6 months to be eligible. Eligibility is then determined by our underwriting model which will consider your business's processing history, your personal credit, and other business attributes. You do not need to have a Clover device to be eligible for Clover Capital.

When will I receive my funds?

Will applying for Clover Capital affect my credit?

What is my interest rate?

How do I make payments?

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