Short answer
Clarify Capital appears to work as a New York business financing broker: it places applications with partner lenders, and the public record we read does not show it funding advances itself. Its own site says it offers access to 75+ lenders and is paid by its lending partners, although its About page is titled "Small Business Lender" and its MCA page says "we provide funding." We found no BBB profile, no regulator action and no federal case naming it. Clarify Capital reviews on Trustpilot show 4.9 out of 5 from 896, 97% of them five-star; 6 are one-star, and those describe sales pressure, disputed terms and a payment taken after a cancellation. New York records also show that Clarify Capital LLC filed a dissolution in 2023 and that a similarly named LLC formed in 2021, so get the legal names in writing. If you are already paying on an advance, the funder named on your agreement sets your terms.
By the Business Debt Adjusters research desk. Reviewed November 2, 2026. Sources are linked inline and listed below. If you can show us a record that contradicts anything here, call (877) 817-0404 and we will correct it.
This page summarizes the public record as of November 2, 2026: Clarify Capital's website, New York corporation records, Trustpilot, BBB searches, Connecticut's registration list, California and CFPB searches, federal docket listings and two third-party reviews. The record is thin, which is common for a broker, and we say below what we could not check. Finding no regulator action is not proof that none exists.
Clarify Capital, its lenders and the name on your contract
The clearest statement of what Clarify does is on its own site. According to its home page, "we only get paid by our lending partners," it offers "access to 75+ lenders," and a hard credit inquiry happens only if you accept "an offer from a lender." A company blog post says SBA loans are not issued directly by Clarify. Two third-party reviews agree: Fit Small Business calls it "a loan broker" that "does not offer funds directly," and Finder calls it "a marketplace, not a direct lender."
The site's language is not uniform. Its About page is titled "Small Business Lender," and its merchant cash advance page says "we provide funding." The pages we read do not name its lenders or list a license. We found no record showing that Clarify itself funded a merchant cash advance, but we did not see any Clarify agreement, so read yours. When a broker arranges funding, the company that debits your account and holds any personal guaranty is usually the funder. Our page on what MCA brokers tell merchants covers what to ask, and the One Park Financial and Big Think Capital pages show how other brokers' records read.
The legal entity. New York's filing records show Clarify Capital LLC (DOS ID 5095851) formed on 3/3/2017 and filed a certificate of dissolution-cancellation on 3/3/2023; it is not in the state's active-corporations list. Clarify Capital II LLC (DOS ID 6322469) formed on 11/8/2021, filed a biennial statement on 5/15/2026 and is listed as active. Its process contact has the same name as a co-founder on Clarify's About page; that is the only link we found. The live website's footer reads "© 2026 Clarify Capital LLC." We found no document saying which company runs the site or signs paperwork, the records do not say why the first LLC dissolved, and they do not show any wrongdoing. We checked New York only; an entity by that name could exist in another state.
What Clarify Capital sells
Clarify lists term loans, lines of credit, SBA loans, equipment financing, a home equity line of credit, invoice factoring, fast loans and merchant cash advances. What the record says about cost and terms:
Merchant cash advances.
The site advertises "MCA Loans up to $5M" but gives no factor rate range. Its illustration is a $10,000 advance at a 1.20 factor rate, repaying $12,000 from daily sales in around six months. That is an example, not a quote.
Minimums.
For an MCA, the site lists $10,000 in gross monthly sales, a 500+ credit score and more than six months in business.
Stated rates.
The About page says "APRs starting at just 6%." Finder lists as a drawback that rates and most fees are not disclosed up front on the website.
Fees to you.
The site says it charges no up-front fees and that its services are free. Any cost in the funding itself comes from the lender's agreement.
How it gets paid.
By its lending partners, according to the site. Its partners page also offers referral fees to accountants, merchant processors, consultants and brokers who send clients.
Your contract controls. The site uses the phrase "MCA loans," but the first page of your agreement tells you whether you signed a receivables purchase or a loan, and which company is the funder.
What the record shows
BBB rating:
none found. BBB searches for Clarify Capital and Clarify Capital LLC returned no results, and Finder reports the same.
Accreditation:
none found, since we found no profile.
Complaints:
none on BBB, for the same reason. This is not the same as having no complaints.
Trustpilot:
4.9 out of 5 from 896 reviews, 247 of them in the last 12 months; 97% five-star, 2% four-star and under 1% one-star.
Business started:
New York shows 3/3/2017. Fit Small Business says 2017, Finder says 2018 and Built In NYC says 2016.
State filings:
Clarify Capital LLC, New York DOS ID 5095851 (dissolution-cancellation filed 2023). A similarly named Clarify Capital II LLC (6322469) is active; see above.
Location:
550 7th Ave, New York, NY 10018, with Suite 402 on Trustpilot.
Clarify Capital reviews and complaints
Trustpilot reviews. Trustpilot shows a claimed profile since April 2018 and says the company asks customers to review it. Finder calls the Trustpilot reviews "overwhelmingly positive," citing fast approvals, quick funding and responsive advisors. Reviews are reported by the people who post them.
The one-star reviews. Six one-star reviews were displayed when we checked, and none at two or three stars. They date from April 2022 to September 2025:
A payment after a cancellation.
A September 2025 reviewer says they canceled within the contract's window and "they still withdrew the first payment," and mentions a wire fee. The company answered that the payment was processed under the agreement and that "ACH transactions can't be reversed instantly," and it offered a gift card.
Sales approach and pricing.
A November 2023 review is titled "trying to sell me on financing I keep telling them I don't want"; the reviewer wanted a line of credit and says a 25% rate came before a 13% option. No company reply was shown.
Advertising and application.
A July 2023 reviewer says a "no docs" loan was advertised but three months of bank statements were required. An April 2022 reviewer reports unfulfilled promises and an incorrect credit score.
Service.
Two short 2023 reviews say a representative was rude and that the company was no help.
Finder reports similar themes in the rare negative feedback it read: an unexpected ACH payment at funding and follow-up calls that some people felt were sales pressure. A broker's reviews mostly describe the application. They say little about what daily or weekly debits feel like six months later, when the funder's contract is what matters.
The regulatory record
What we searched. We found no action against Clarify Capital. The California DFPI site search returned no results for the name. The CFPB complaint database shows no company by that name, though it is built mainly around consumer products rather than business funding. Web searches pairing the name with the FTC surfaced nothing about it.
Connecticut. The October 6, 2026 list of registered commercial financing providers and brokers has no entry under the Clarify name; we did not check whether an exemption applies.
What we could not check. We did not check California's license lookup or Utah's registry, and Virginia's list of registered sales-based financing brokers would not load for us, so we make no statement either way about licenses or registrations in those states.
The court record
A CourtListener search of federal dockets finds no case with Clarify Capital in the case name as of November 2, 2026. A full-text search for the phrase returns four dockets, and none lists Clarify as a party; we read the matching text in those documents, and where the phrase appears it is two unrelated words next to each other, such as in a deposition index. Three court opinions that contain the phrase do not name Clarify as a party. We could not run PacerMonitor or GovInfo searches, and we did not search state trial courts or UCC filings, where most funding disputes and liens would appear.
A quiet docket for a broker says little about the funders it works with. A broker is generally not a party to the funding agreement, so a collection suit or lien would normally come from the funder. Look up that company as well. Allegations are not findings.
Who Clarify Capital fits
Clarify suits a business that wants one application shopped across many lenders and is comfortable with advisor calls, and the positive reviews describe speed and helpful staff. The site says products like a merchant cash advance do not rely on credit score as heavily, so a weaker file may see MCA offers; compare the total cost against any other option. Before you sign, ask in writing for the funder's legal name, the Clarify entity you are dealing with, the total payback, the payment amount and frequency, every fee, and whether there is a personal guaranty. Ask what the cancellation terms are and when the first debit will run. The MCA calculator converts a factor rate into a comparable cost; see also factor rate vs. APR and the clauses to read in an MCA agreement.
If the payments are more than your business can carry
- Find every agreement you signed through Clarify and identify the funder named on each, with the payment history for each, plus the guaranty, adjustment, notice and venue clauses.
- Request any adjustment from the funder in writing, with bank statements, if revenue has dropped. Our explainer on MCA reconciliation covers what to send. Clarify may be able to confirm who the funder is, but the funder decides.
- Blocking debits or moving your account can be treated as a default under many agreements; check your contract before acting. See stopping daily MCA payments.
- Look up the funder's record, including whether it files liens or sues. See whether MCA companies can sue you.
- If you settle, get the payoff amount, the schedule and a written promise to release liens and notices once it is paid.
- If you are weighing bankruptcy, read MCA settlement vs. bankruptcy first.
If you are behind or close to it, see how MCA debt relief works and how Business Debt Adjusters handles a file before you miss a payment.
Clarify Capital reviews: common questions
Is Clarify Capital a lender or a broker?
The record points to a broker. Its site says it offers access to 75+ lenders and is paid by its lending partners, Fit Small Business calls it a loan broker and Finder calls it a marketplace, not a direct lender. Its About page is titled Small Business Lender, so check the funder named on your agreement.
Does Clarify Capital have a BBB rating?
We found no BBB profile under Clarify Capital or Clarify Capital LLC as of November 2, 2026, so there is no BBB rating, accreditation or complaint count to report. Having no profile does not mean there are no complaints.
What do Clarify Capital reviews complain about?
Trustpilot shows 4.9 out of 5 from 896 reviews, and only 6 were one-star when we checked. Those describe a payment withdrawn after a cancellation, sales pressure, a higher rate quoted before a lower one, and a no-docs loan that required bank statements.
Has Clarify Capital been sued or fined?
We found no regulator action and no federal case naming it as of November 2, 2026. We did not search state trial courts, and we could not check every state's records. A broker is generally not a party to the funding agreement, so disputes would normally involve the funder.
Who do I talk to about payments on funding from Clarify Capital?
Start with the funder named on your agreement, because that company generally holds the contract and sets the payment terms. Clarify may be able to confirm who the funder is. Ask for any change in writing.
What should I do if I can't afford payments on funding arranged by Clarify Capital?
Identify the funder on your agreement, gather the agreement and payment history, check for a guaranty and an adjustment clause, and request any change from the funder in writing with your bank statements. Blocking debits or moving your account can be treated as a default under many agreements; check your contract before acting. Then decide who negotiates.
Sources
- Clarify Capital website: About, Merchant Cash Advance, Partners and Why Choose Clarify Capital, read November 2, 2026.
- Clarify Capital LLC, DOS ID 5095851, filing history and Clarify Capital II LLC, DOS ID 6322469, filing history, with the state's active-corporations dataset, New York Department of State datasets on data.ny.gov, read November 2, 2026.
- Clarify Capital on Trustpilot, read November 2, 2026.
- Better Business Bureau search for Clarify Capital, run November 2, 2026.
- Clarify Capital Review, Fit Small Business, updated February 12, 2025.
- Clarify Capital review, Finder, updated October 28, 2026.
- Clarify Capital, Built In NYC company profile, read November 2, 2026.
- Commercial Financing Providers and Brokers Registered in CT, Connecticut Department of Banking, list as of October 6, 2026.
- California DFPI site search and CFPB consumer complaint database, run November 2, 2026.
- CourtListener RECAP search for Clarify Capital in the case name, run November 2, 2026.
This article summarizes public records and publicly available information as of November 2, 2026, principally Clarify Capital's website, New York corporation records, Trustpilot, Better Business Bureau searches, Connecticut's registration list, California and CFPB searches, federal docket listings and two third-party reviews. Reviews are reported by the people who file them and are not verified. Allegations in lawsuits are not findings, and docket listings may not show every filing or the final outcome. It is not legal advice. Business Debt Adjusters is not affiliated with Clarify Capital or any lender it works with.
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