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    Clara Capital

    4.5(7 reviews)

    Clara Capital is a reliable Canadian source for Small Business Loans, offering quick and affordable funding options for various businesses. They focus on facilitating growth with exceptional service, tailoring funding products to maximize client potential.

    Offers:
    Business Loans
    Merchant Cash
    Line Of Credit
    Since 2020
    Over 5,000 customers
    Canada-wide
    199B Crossways Park Dr, Woodbury, NY 11797, USA
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    Expert Review

    Best For

    Clara Capital is best suited for established Canadian businesses with steady monthly revenue that may not qualify for conventional bank loans.

    Our Take

    Clara Capital is a flexible alternative lender for Canadian businesses, prioritizing cash flow and revenue over credit scores. They provide fast-access working capital solutions, including structured business loans and revenue-based financing, to support operations and growth. Originally from the US, Clara Capital brings advanced technology to the Canadian market.

    What We Like

    • Pragmatic underwriting approach focusing on cash flow and business fundamentals
    • Simple and fast application process with quicker decision-making
    • Experience and solutions from the US market benefiting Canadian businesses
    • Clear focus on real business use cases for working capital, growth, or stability

    Where to Improve

    • Financing can be significantly more expensive than traditional bank loans
    • Transparency around repayment structures requires careful attention from borrowers
    • Not a long-term financing solution; businesses may need to transition to lower-cost options

    Verdict

    Clara Capital is a strong option for Canadian business owners needing fast capital with sufficient revenue for repayment. It serves as an effective bridge or growth tool for businesses facing short-term challenges or investing in quick-return opportunities. However, it should be used strategically and not as a permanent funding strategy, especially if lower-cost traditional options are available.

    Brand Signals & Trust

    Years in Business

    6+

    Geographic Reach

    Canada-wide

    Product Diversity

    1 product

    Customers Served

    Over 5,000

    Trust Badges

    Quality Lender, Established Lender

    Products Offered

    Business Loan

    Amount Range

    $5,000 - $500,000

    Interest Rate

    Starting at 7.99%

    Term

    6 - 24 Months

    Funding Speed

    Within 24 hours

    Eligibility

    • Canadian and US business owners
    • 1 year in business
    • $150,000 or in annual revenue

    Google Reviews

    via Google
    4.9

    597 Google reviews

    Monday: 9:00 AM – 9:00 PM

    Tuesday: 9:00 AM – 9:00 PM

    Wednesday: 9:00 AM – 9:00 PM

    +4 more days

    Photos

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    Arnethia Levey
    Arnethia Levey3 months ago

    Working with Clara Capital has been an incredible help to our agency. Giancarlo was extremely patient, thorough, and took the time to walk us through every detail of the process. He made sure we fully understood and felt comfortable with all terms and agreements before moving forward. His professionalism and willingness to answer every question truly made the experience smooth and stress-free. We highly recommend Giancarlo and Clara Capital to anyone looking for reliable, supportive service. Our agency will definitely be working with them again in the future.

    Arielle Rolle
    Arielle Rolle4 months ago

    I’m incredibly grateful for the support I received from this company. The MCA funding process was smooth, efficient, and well-explained from start to finish. I appreciated Justins customer service with the funding call he was so patient. When my business needed capital, they delivered quickly and professionally. Jonathan Snead was responsive, transparent, and genuinely cared about helping me succeed. This funding has already made a huge difference for my business, and I truly appreciate the opportunity. Highly recommend!

    Justin Moore
    Justin Moorea week ago

    I had the worst experience EVER with this company. After wasting my WHOLE DAY applying for funding, trying to reach Joseph, him asking for more, more and more, then he told me he was excited to let me know that he would financing my business needs, then immediately after I sent him the last bit of documentation he needed, he decided to deny me, based on 1 MONTH, versus the other 4 months I went above and beyond to send him. Joseph was horrible to work with gave me a false sense of hope that I had relief and then ripped it right away from me.

    Robin Varghese
    Robin Varghese3 months ago

    I had an absolutely great experience working with Ms. Danielle Turk to secure funding for my business. I was truly impressed by her professionalism and dedication. Danielle was incredible at finding the best funding options available. She was able to secure a significantly lower interest rate than what my existing options offered, and at much higher amounts as well! This was a huge win for my business. What truly set her apart was the personalized service. Danielle personally put in so much time and effort into the deal, providing a very warm and tailored experience from start to finish. I certainly suggest that anyone needing financial business funding reaches out to her—she will not disappoint! Thank you, Danielle, for your exceptional work.

    Susan Pregno
    Susan Pregno3 months ago

    Clara Capital has come through for me not once, but twice with fast, effective loan solutions that truly supported my business when timing mattered most. What really sets them apart is how deeply they take the time to understand your unique situation—nothing ever feels generic or transactional. I want to give special recognition to Danielle Turk, who went above and beyond in every sense. She took a genuine personal interest in securing the loan, kept me informed at every step, and even worked on the deal over the weekend to make sure everything stayed on track. Her dedication and advocacy made all the difference. If you’re looking for a responsive, reliable, and truly supportive lending partner, I can’t recommend Clara Capital highly enough.

    How Clara Capital Compares

    LoanIQ Rating
    4.5vs avg 4.7
    Clara CapitalCategory Avg
    Google Rating
    4.9 (597)
    Province Coverage
    13/13vs avg 6/13
    Clara CapitalCategory Avg
    Products Offered
    1

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    Frequently Asked Questions

    Contact Information

    885 W. Georgia St. Vancouver, BC V