Capital that works like a partner, not a payment schedule.
ClutchAdvance funds your business in hours — underwritten on your live cash flow, not your credit report, with every fee disclosed in writing before you sign.
- State-compliant disclosures upfront
- Anti-stacking protection
- Funded same day
- No hidden fees
Three promises we put in writing.
Not marketing lines — commitments you can hold us to, spelled out before you sign anything.
Zero Hidden Fees
Before you sign a single document, we hand you a crystal-clear breakdown: total costs, exact disbursement, every fee — fully compliant with state commercial financing standards. No surprises, ever.
Built to Breathe
Standard advances pull the same fixed daily amount whether you had a stellar Friday or a zero Tuesday. Ours include clear reconciliation rights: if your sales slow over a sustained period, you have the right to a true-up — we review the numbers with you and adjust your payment so it breathes with your business. We don't crush you when you're bruised.
The Anti-Stacking Pledge
We automatically check whether you already have advances outstanding. We will never push you into a second or third position your cash flow can't safely support. If an advance doesn't make financial sense, we'll be the first to tell you no.
From bank link to funded in four steps.
No bank appointments, no stacks of paperwork, and nothing you have to sign before you understand it.
- 01
Connect in 60 seconds
Link your business bank account through a secure connection. No PDF statements, no uploads, no chasing your accountant for paperwork.
- 02
We read your live cash flow, not a credit report
We look at how money actually moves through your business — deposits, volume, and trend — instead of a three-digit score.
- 03
See everything in writing
Total costs, total repayment, and your full payment schedule, laid out in writing before you sign anything.
- 04
Funded same day
Once your documents are in and verified, funds go out the same day. No waiting weeks on a committee.
See how it works
Clutch Advance | Funding Your Future
24-Hour Capital
Applications reviewed and funds out in as little as one business day.
Soft Credit Check
Checking your options never affects your personal credit score.
No Collateral
Approved on your revenue, not on assets you have to pledge.
The opposite of what this industry is known for.
The alternative lending space has bad actors — high-pressure calls, hidden fees, rigid daily debits causing NSF cascades on a slow week. We built ClutchAdvance to be the opposite: transparent, monitored, on your side.
When your cash flow dips, our monitoring catches it and we call you before you have to call us.
What we look for before we advance.
You don't need perfect credit or years of financial statements. We read how money actually moves through your business — this is the starting point.
- Underwritten on your live cash flow, not your credit report
- A secure bank link instead of PDF statements
- A decision in about 10 minutes after you connect
3+ months in business
We look for at least three months of operating history. No multi-year track record required.
$10K+ monthly gross revenue
Consistent monthly gross revenue of $10,000 or more shows there is cash flow to support repayment.
Business bank account
An active business checking account lets us verify your revenue and deposit funds directly when you're approved.
Know your daily payment and total payback before you apply.
Run your numbers first. The MCA calculator shows an estimated total payback, the daily remittance, and the effective cost of a merchant cash advance — so you can walk into an offer already knowing what it should look like.
Open the MCA calculatorFunding tips for business owners, once a week
One short email with practical cash-flow and funding notes — what funders look at, how to time a request, and how to keep costs down. No hype, unsubscribe any time.
Ready to see your options?
Connect your bank, see your numbers in writing, and decide from there. It takes about five minutes.
- Underwritten on cash flow, not your credit report
- A decision in about 10 minutes
- A real person reviews every application