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Clover Capital is a faster, easier way to access the funds you need

Clover Capital turns future credit card sales into working capital, with clear and easy payback terms that give you the flexibility to grow your business.

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Quick approval

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

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Fast funding

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

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Easy payback

Clover Capital is based on your future sales, so repayment is worry-free. You pay more when your sales are strong; less if sales slow down.

All Clover systems arrive payments-ready

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Fast, flexible financing for your business

  • Quick and convenientClover Capital is a fast, convenient merchant cash advance, repaid through a fixed percentage of your future credit card sales.
  • Simple to qualifyYou must be in business for six months or longer and process a minimum monthly volume of $1,000 in Visa & MasterCard transactions. Additional credit qualifications apply.
  • Easy paymentsPayments are deducted daily from your MasterCard and Visa credit card sales deposits. Repay at the pace of your sales—pay more when your sales go up, less when they’re low.

Let's fund your future

  • 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.
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No interest rate
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No fixed term
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No collateral
no personal guarantee
No personal guarantee
no fixed payment amount
No fixed payment amount
no costly overdraft fees
No ACH overdraft fees

How Clover Capital works:

If you’re eligible for a Clover Capital, we’ll send you an invitation via email.

1. Select your pre-approved amount

The email invitation we send you presents you with three pre-approved advance amounts to choose from.

2. Get approved

To complete your application, you’ll need to submit a few pieces of documentation. Approval typically takes 1-2 business days.

3. Enjoy flexible terms

Payments are a fixed percentage of sales, not a fixed amount: the daily percentage withheld ranges between 10% and 20%. This means your payments are higher when sales are strong and lower when sales are slow. Applying for more capital is even easier once your business establishes consistent repayment history.

Learn more about Clover Capital

Clover Capital on your dashboard

We’re pre-approving merchants every day. Watch for an email invitation from us, or log into your Clover Dashboard to see if you might be already pre-qualified.

Clover Capital is currently available by invitation only.

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Every Clover system comes with peace of mind

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Free overnight shipping*

Once you’re approved, your system will arrive in one business day. *Online orders only.

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Fast Set up

Set up your business today and take payments with the Clover Dashboard.

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Consistent rates

Pay the same low rates for all cards, including AMEX and rewards cards.

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Exceptional live help

We’re here to help you with everything from setting up to troubleshooting.

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Get your new Clover system

It’s never been easier. Set up your Clover POS system with the right mix of devices and apps for your business. Add more devices or apps any time. Order directly online or talk to us about your ideal device and plan options.

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Ready to build your new Clover system? Start now