Clear Skies Capital

What Clear Skies Capital does

Clear Skies Capital, Inc. is a privately held, direct-licensed small business lender headquartered in San Diego, California. Founded in 2014 and operating with a 1-10 employee team, the company provides a portfolio of seven financing products to U.S. small and medium-sized businesses: Business Line of Credit (up to $200,000), Business Term Loan (up to $500,000), Equipment Financing (up to $500,000 per unit), Revenue-Based Financing (up to $1 million), SBA 7(a) Loans (10-25 year terms, originated through partner lenders), Cannabis Working Capital (up to $1 million), and Bad Credit Business Loans (minimum 500 FICO, rates 14%-36%). Products are originated as a direct lender using own capital and through an authorized partnership with Channel Partners Capital for working capital and equipment finance, giving the firm a hybrid balance-sheet-plus-broker origination model.

The company serves SMBs across at least seven verticals — healthcare and medical practices, construction and trades, restaurants and hospitality, transportation and logistics, retail and e-commerce, manufacturing, and the cannabis industry — with a minimum qualifying profile of six months in business and $120,000 in annual revenue. Distribution is multi-channel: a self-serve website with online application, an inbound phone sales line (1-800-230-9822) staffed by U.S.-based funding advisors, and partner-driven referral flow. The technology stack is not publicly disclosed, and the firm explicitly markets its human-advisor model against automated decisioning.

Clear Skies Capital reports cumulative originations exceeding $200 million to more than 5,000 businesses since founding, with 24-72 hour funding on most products, a 98% approval rate for qualified applicants, and a 5.0-star Google rating. Revenue is not publicly disclosed and the company is founder-owned without disclosed institutional or venture backing. The firm is licensed under California Finance Lenders Law (#60DBO-42412) and is BBB-accredited.

Name

Clear Skies Capital

Legal name

Clear Skies Capital, Inc.

Website

https://clearskiescapital.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Clear Skies Capital is a privately held San Diego direct lender that provides term loans, lines of credit, equipment financing, revenue-based financing, SBA 7(a), cannabis, and bad-credit loans to underserved U.S. small businesses across healthcare, construction, retail, transportation, manufacturing, and hospitality verticals.

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222), Sales Financing (522220)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

akta.pro secondary industries

Auto Title Loans (Vehicle-Backed Short-Term) (FSAKADAJ), Middle-Market Lending (FSANADAI), Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)

Keywords

• Small business loans
• Equipment financing
• Business line of credit
• SBA 7(a) loans
• Revenue-based financing

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Business Term Loans: Clear Skies Capital provides business term loans as a direct lender using their own capital. Loans range from $5,000 to $500,000 with fixed, predictable payments over 2-5 year terms. Revenue is generated through interest charges and origination fees on the loan principal.
2. Business Line of Credit: Revolving credit facility with limits up to $200,000. Customers draw funds as needed and pay interest only on the amount used. Revenue generated through interest on drawn amounts and any maintenance or draw fees.
3. Equipment Financing: Financing for new or used equipment where the equipment itself serves as collateral. Finance amounts up to $500,000 per unit with flexible 2-5 year terms. Revenue comes from interest and origination fees on the financed amount.
4. Revenue-Based Financing: Funding up to $1 million repaid as a percentage of monthly revenue rather than fixed payments. Revenue generated through factor rates applied to the funded amount.
5. SBA 7(a) Loans: Government-backed small business loans offered through partnership with specialized SBA lenders. Clear Skies Capital serves as an authorized partner, earning fees for facilitating these loans.
6. Cannabis Working Capital: Specialized working capital loans for cannabis businesses up to $1 million. Funded within 24-72 hours with no upfront fees. Revenue from interest and origination fees.
7. Bad Credit Business Loans: Business loans for borrowers with credit scores as low as 500. Revenue generated through higher interest rates and origination fees reflecting increased risk profile.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Clear Skies Capital is a direct private lender providing small business financing products including business term loans, lines of credit, equipment financing, revenue-based financing, SBA 7(a) loans, cannabis working capital, and bad credit business loans. Loan amounts range from $5,000 to $1,000,000 with funding decisions issued in hours and capital typically disbursed within 24-72 hours.

Product overview

Clear Skies Capital is a direct private lender offering a portfolio of small business financing products. The product suite includes seven distinct lending products: Business Line of Credit (up to $200,000 with 24-hour funding), Business Term Loan (up to $500,000 with 4-hour approval), Equipment Financing (flexible 2-5 year terms), Revenue-Based Financing (up to $1 million), SBA 7(a) Loans (10-25 year terms), Cannabis Working Capital (up to $1 million), and Bad Credit Business Loans (minimum 500 credit score). These products serve different business financing needs from working capital to equipment purchases, with most requiring 6 months in business and $120,000+ annual revenue. A supplementary Business Loan Calculator tool is also provided.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Line of Credit Revolving credit facility with limits up to $200,000, instant draw capability, no maintenance fees, funds disbursed in 24 hours or less, with interest charged only on drawn amounts.
• Business Term Loan Lump-sum loan up to $500,000 with approvals in 4 hours, no collateral required, fixed predictable payments over 2-5 year terms.
• Equipment Financing Financing for new or used business equipment with no out-of-pocket fees, 100% financing available, flexible 2-5 year terms, up to $500,000 per unit, with the equipment serving as collateral.
• Revenue-Based Financing Funding up to $1 million with no equity dilution, flexible payments tied to a percentage of monthly revenue, approvals in 4 hours or less, factor rates typically 1.20-1.45.
• SBA 7(a) Loans Government-backed small business loans with the lowest industry rates, terms up to 10-25 years, SBA guaranty fee 2.7-3.5% plus underwriting 1-2%, offered through partnership with specialized SBA lenders.
• Cannabis Working Capital Working capital financing up to $1 million for licensed cannabis businesses, funded within 24-72 hours with no upfront fees.
• Bad Credit Business Loans Business loans for borrowers with credit scores as low as 500, approval in as little as 4 hours, no hidden fees or prepayment penalties, rates typically 14%-36%.

Quantifiable outcome

• 98% approval rate for qualified applicants
• +3 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Channel Partners CapitalcoreChannel Partner/ Reseller/ DistributorClear Skies Capital is an authorized partner of Channel Partners Capital, providing business owners direct access to their high-speed working capital and equipment finance programs. These products are not available through direct public application on Channel's website. The partnership extends Clear Skies' product offerings and enables them to serve businesses needing specialized equipment financing.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Credibly: Credibly provides working capital, term loans, and revenue-based financing to SMBs with quick approvals, closely mirroring Clear Skies' revenue-based and term loan product set.
• Lendio: Lendio operates a small business loan marketplace connecting borrowers to multiple lenders, including SBA partners — comparable to Clear Skies' SBA 7(a) loan facilitation and multi-product SMB financing approach.
• OnDeck: OnDeck provides short-term online term loans and lines of credit to small businesses, with rapid funding decisions — directly competing with Clear Skies' Business Term Loan and Business LOC offerings.
• CAN Capital: CAN Capital has historically offered small business working capital loans and merchant cash advances — directly comparable to Clear Skies' Revenue-Based Financing and Bad Credit Business Loan products.
• Fundbox: Fundbox offers SMBs revolving lines of credit and working capital via a digital application with fast decisions, overlapping with Clear Skies' Business Line of Credit and Revenue-Based Financing.
• Biz2Credit: Biz2Credit matches SMBs with multiple lenders for term loans, lines of credit, and SBA loans — comparable to Clear Skies' multi-product SMB lending and SBA facilitation.
• National Funding: National Funding is a direct private lender offering small business loans, equipment financing, and working capital — overlapping with Clear Skies' SMB lending and equipment financing portfolio.
• BlueVine: BlueVine is a fintech direct lender offering small business lines of credit, term loans, and invoice factoring with fast online underwriting — directly comparable to Clear Skies' SMB lending suite and digital-first model.
• Headway Capital: Headway Capital provides SMBs with revenue-based lines of credit for working capital and growth — closely comparable to Clear Skies' Revenue-Based Financing and Business Line of Credit.

Broad incumbents

• Funding Circle: Funding Circle is an established online SMB lender offering term loans and lines of credit to small businesses — a broader incumbent with overlapping products but a larger institutional footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/clearskiescap
• YouTubeyoutube.com/channel/UCO1oX65bZligDlZ7yHjsEWg
• Facebookfacebook.com/clearskiescapital
• LinkedInlinkedin.com/company/clear-skies-capital
• Instagraminstagram.com/clearskiescapital
• Pinterestpinterest.com/clearskiescapital

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clear Skies Capital