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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.

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 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.

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.
Freedom and flexibilityUse Capital for the things you need, from renovations to marketing campaigns.
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 or Interac® debit card deposits. Repay at the pace of your sales—pay more when your sales go up, less when they’re low.

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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.

No interest rate

No fixed term

No fixed payment amount

How Clover Capital works:

1. Get approved

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

2. Enjoy flexible terms

The daily withhold percentage is based on your credit card volume, (typically ranging between 8% to 15%). 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.