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ClearLine Financial
ClearLine Financial delivers customized credit solutions ranging from $100,000 to $10 million+, supporting working capital needs, growth strategies, acquisitions, and complex financing scenarios. We recognize the challenges founders face when securing capital and focus on building flexible, straightforward financing designed for sustainable, long-term growth.
We partner with lower- and middle-market businesses across a wide range of industries, offering both asset-backed and cash-flow-based financing structures. Our solutions span the capital stack, from senior secured facilities to subordinated debt.
Each facility—whether a revolving credit line or a term loan—is thoughtfully structured around the specific needs of the business. Our approach allows founders to stay focused on execution and growth, while we simplify and manage the financing process from start to finish.
Structured credit
facilities from
$100,000
TO
$10 Million+
ClearLine Financial Solutions
Our lending strategies are built to support your unique goals.
Asset-Based Lending
Revenue-Based Financing
Line of Credit
Consumer Packaged Goods
Asset-Based Lending (ABL)
For Businesses with A/R Inventory & Equipment
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Advance rates of 80%–95% on eligible accounts receivable
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Inventory financing of 60%–70% of cost, or up to 75%–85% of net orderly liquidation value (NOLV)
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Equipment-backed term loans and sale-leaseback structures available for both existing and newly acquired equipment (LTVs vary by asset)
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Revolving lines of credit secured by current assets to support ongoing working capital needs
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Pricing typically ranges from 10%–14% APR, subject to structure and credit profile
Revenue-Based Financing / Cash Flow Revolving Credit Facilities
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Facility Size: Commonly structured at up to 10% of TTM revenue or 1x EBITDA.
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Cost of Capital: Typically ranges from the low teens to the mid-20s, with discounted pricing available for early repayment.
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Term: 8-36 months
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Security: Subordinate to existing lenders, with the potential to be unsecured and require no UCC filing.
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Time to Close: 2–4 business days.
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Personal Guarantees: Not required. In lieu of a personal guarantee, a performance guarantee provides protection against fraud. No equity or covenants. After a 30–40% paydown, incremental availability may be released.
Line of Credit
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Facility Size: Lines of credit range from $50,000 up to $2,000,000, with the ability to increase availability over time based on performance and ongoing financial strength.
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Cost of Capital: Pricing generally starts at approximately 1% per month, with potential rate adjustments as the business demonstrates consistent cash flow and stability.
Term Structure: Facilities are typically structured with 10–36 month terms and are often renewed annually, allowing for continued access to capital. -
Security Structure: This is an unsecured line of credit, requiring no UCC filing, no collateral, and no liens on business assets.
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Speed to Close: Lines of credit can typically be approved and funded within 1–3 business days following execution of the term sheet, subject to due diligence and complete financial documentation.
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No Personal Guarantees or Equity: No personal guarantees required, no equity dilution, and no restrictive financial covenants.
Consumer Packaged Goods (CPG)/ E-Commerce Lending:
Built for businesses with $2M+ in EBITDA, these loans deliver flexible capital to support growth. We’re industry-agnostic, though we generally avoid affiliate marketing and restaurants.
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Loan Terms: 3–7 years.
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Interest Rates: 12%–18%.
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Interest-Only Period: 12–36 months.
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Structures can include a cash flow–based revolving facility and typically feature lower warrant coverage than venture debt.
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No personal guarantees required.
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Typically structured at 2–4x EBITDA leverage, often used for acquisitions, buyouts, or expansion.
GEOGRAPHY
U.S
We fund businesses across the U.S. as well as Canada.
INDUSTRY
Agnostic
We fund companies across all industries, with no restrictions on sector or business type.
CHECK SIZE
$100k-$10MM
We offer funding from $100,000 to $10 million, tailored to your business needs.
ANNUAL REVENUE
$1.2MM
run rate
.
No EBITDA
MINIMUMS
No minimums, cash flow negative companies could qualify
LENDING
STRUCTURE
Senior secured, Subordinate (mezzanine/junior), asset based, cash flow based, revenue based financing
Experiences That Speak Volumes
Recent Transactions
$1.5mm
Line of Credit
Industry: Construction
Revenue Run Rate: $115MM
Details: A commercial construction company had its $4MM bank line of credit frozen after a prior year tax return showed a loss, despite strong current contracts and cash flow. With payroll and job sites at risk, I stepped in and secured a $1.5MM revenue-based line of credit within 72 hours through private capital. The facility kept projects moving and served as a bridge while the company stabilized and re-engaged traditional lenders.
$700k
Term Loan
Industry: Healthcare Staffing
Revenue Run Rate: $16MM
Details: A multi-state healthcare staffing company needed growth capital to launch its fourth office in Arizona but was constrained by bank timelines and expansion covenants. I secured a $700k term loan that funded office buildout, recruiter hiring, and initial payroll to support rapid market entry. The capital allowed the company to scale immediately and establish a strong foothold in a new state without slowing existing operations.
$500k
Term Loan
Industry: Dentist Offices
Revenue Run Rate: $10MM
Details: A growing group of dental offices in Southern California needed immediate capital to bridge equipment purchases after their supplier offered a time-sensitive bulk discount. Bank financing timelines couldn’t meet the deadline, so I secured fast private capital that allowed them to place the orders immediately. The group captured over 40% in equipment savings, accelerating expansion plans and positioning the practices for strong growth going into the new year.
$1mm
Term Loan
Industry: Oil & Gas
Revenue Run Rate: $32MM
Details: An oil and gas operator needed capital to accelerate a multi-well development program and lock in service contracts at favorable pricing. With timing critical and traditional lenders unable to meet the execution window, I secured a $1MM loan to fund the project. The financing allowed the company to move forward immediately and capture incremental production without delaying core operations.
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