Clarify Capital publishes general minimums for its panel
Clarify Capital is a marketplace rather than a lender, which normally means no published criteria at all, because the criteria belong to the funders behind it. Clarify publishes general minimums anyway and labels them as such, saying eligibility varies by product before giving three numbers. That framing is accurate and it is more useful than the silence most marketplaces offer.
What Clarify Capital publishes
| What | Figure | The lender's own words | Source |
|---|---|---|---|
| Minimum personal credit score | 500 credit score | "Eligibility varies by product, but general minimums are: 6+ months in business Revenue of $120,000+ per year ($10,000+ per month) 500+ credit score" | Clarify Capital home page eligibility section checked September 2026 |
| Minimum time in business | 6 months in business | "Eligibility varies by product, but general minimums are: 6+ months in business Revenue of $120,000+ per year ($10,000+ per month) 500+ credit score" | Clarify Capital home page eligibility section checked September 2026 |
Clarify Capital coverage, evidenced
Clarify Capital keeps its own live page for 5 of the borrowing products this record tracks. Each link below was fetched on the date shown and answered.
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The lowest combined bar in this record
Six months in business, a hundred and twenty thousand dollars a year and a five hundred credit score is, taken together, the most accessible published combination on this site. A business with a damaged personal credit file and a year of steady ten-thousand-dollar months clears it, and clears very little else here. That is the practical value of a marketplace publishing anything at all: it tells a borrower near the bottom of the market whether the door is formally open.
What a marketplace changes about the application
One application reaches several funders, which is efficient and has a consequence worth understanding: the file is seen by more than one underwriter and the offers that come back are not necessarily comparable in structure. Ask which funders saw it, how many offers were returned, and what each one is: a term loan, a line and an advance quoted together will have very different total costs for the same headline amount.
Common questions
- What credit score does Clarify Capital require?
- Clarify Capital publishes a five hundred or higher credit score as a general minimum, alongside six or more months in business and revenue of a hundred and twenty thousand dollars or more a year. Its own page notes that eligibility varies by product.
- Is Clarify Capital a lender?
- No, it is a marketplace that places applications with funders. The minimums it publishes are general ones for the panel; the funder that ultimately makes the offer sets its own terms.