_edited.png)
$100k–$15mm+
Credit facility size range
0% Equity
Non-dilutive, no equity required
All Industries
Industry agnostic, U.S. & Canada
ClearLine Financial Lending Standards
We work with established and growing companies across North America that meet our general eligibility and funding standards.
Capital Partners Beyond Traditional Lending
ClearLine Financial is a Miami-based commercial finance firm specializing in debt-based funding solutions ranging from $100,000 to $15M+. We design and arrange customized financing across multiple layers of the capital structure, including revolving credit facilities, asset-backed lending, structured term loans, and mezzanine or subordinated debt options.
We work closely with business owners and operators to build financing strategies that enhance liquidity, support expansion, and address complex capital requirements. By streamlining the funding process and acting with speed and precision, we enable companies to access the capital they need without distraction from their core operations.
Financing Access From:
Financing structures available from: Senior secured, subordinated, asset-based, cash flow, and revenue-based.
Real Outcomes, Real Growth
Term Loan
$8mm
E-Commerce
Revenue:
$340MM
Details: A high-growth e-commerce brand was experiencing rapid consumer demand and accelerating revenue, but needed capital to fund a major inventory build ahead of surging order volume. ClearLine Financial structured and closed an $8,000,000 term loan to finance the build, enabling the borrower to meet demand, expand product availability, and scale fulfillment operations without disrupting working capital. The facility gave the company room to grow at a critical inflection point while preserving cash for day-to-day operations.
Term Loan
$1.5mm
Construction
Revenue:
$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, we 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.
Term Loan & revolver
$10mm
Plumbing
Revenue:
$16MM
Details: A long-established infrastructure contractor with strong receivables and a fleet of heavy equipment needed capital to support a growing pipeline of projects. With cash tied up in long payment cycles, the company's existing facility couldn't keep pace with payroll, materials, and upfront project costs. ClearLine Financial structured and closed a $10,000,000 asset-based facility, a $5MM ABL revolver secured by accounts receivable and a $5MM ABL term loan backed by equipment. The combined structure gave the company the liquidity to take on larger contracts and continue scaling without giving up equity.
Term Loan
$1mm
Oil & Gas
Revenue:
$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, we 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.
Line of Credit
$815k
Franchise Gym
Revenue:
$28MM
Details: A high-performing franchise gym generating over $1MM in EBITDA needed flexible capital to support a rapid membership surge and upgrade equipment across peak locations, but their bank required a full recertification due to recent ownership changes. ClearLine secured an $815K line of credit that provided immediate liquidity without disrupting operations. The facility allowed the gym to scale capacity, improve member experience, and sustain momentum during its strongest growth cycle.
Line of Credit
$780k
HVAC
Revenue:
$19MM
Details: A South Florida HVAC company generating $1.6MM in EBITDA faced a seasonal spike in demand and needed immediate working capital to pre-purchase equipment and hire additional crews ahead of peak summer months. Bank financing timelines couldn't keep pace with the opportunity, so ClearLine secured a $750K line of credit with flexible draws. The facility allowed the company to service more contracts, shorten response times, and capture incremental revenue during its busiest season.
Term Loan
$800k
Restaurant
Revenue:
$17MM
Details: A Michelin-star restaurant in New York City needed growth capital to execute a high-profile expansion, including a private dining buildout and kitchen upgrades ahead of a peak reservation season. Traditional bank financing couldn't meet the timeline due to detailed underwriting and collateral requirements, so ClearLine secured an $800K term loan in 48 hours. The funding allowed the restaurant to expand capacity, enhance the guest experience, and drive incremental revenue without disrupting daily operations.
Term Loan
$450k
Chiropractor
Revenue:
$9MM
Details: A growing chiropractic practice needed capital to expand treatment rooms, add specialized rehab equipment, and hire additional providers to meet rising patient demand. With timing critical, ClearLine secured a $450K term loan in under 24 hours, funding the deal the day before a national holiday when traditional lenders were unavailable. The rapid execution allowed the practice to scale immediately without losing momentum or patient volume.
Line of Credit
$350k
Roofing
Revenue:
$7MM
Details: A California roofing company needed immediate working capital after winning several large commercial projects that required upfront material purchases and additional crews before progress payments were received. Bank financing timelines couldn't support the sudden increase in workload, so ClearLine secured a $350K line of credit with flexible access to funds. The facility allowed the company to mobilize quickly, keep projects on schedule, and maintain steady cash flow during peak demand.
Term Loan
$350k
Retail
Revenue:
$5MM
Details: A fast-growing retail company in Colorado needed capital to support a seasonal inventory ramp and store refresh ahead of a high-traffic sales period after an asset-based lending facility fell through late in the process. To avoid missing the buying window, ClearLine secured a $350K loan that covered the immediate funding gap. The capital allowed the retailer to move forward on inventory purchases and fully capitalize on peak-season demand.
Line of Credit
$275k
Home Healthcare
Revenue:
$4MM
Details: A home healthcare company faced an urgent payroll shortfall after Medicaid and Medicare temporarily paused reimbursements due to a billing system change, despite having over $500K in receivables backlog. With payroll due by Friday, ClearLine secured a $275K line of credit that funded same day at a teen-level interest rate. The facility allowed the company to make payroll on time and continue operations while reimbursements were reinstated.
Term Loan
$225k
Yoga Studio
Revenue:
$2MM
Details: A multi-location yoga studio suffered unexpected water damage that forced immediate replacement of studio flooring to remain operational and avoid class cancellations. With insurance proceeds delayed and timing critical, ClearLine secured a $225K loan that closed in just 48 hours to fund repairs and remediation. The financing allowed the studio to reopen quickly, retain members, and protect revenue during a critical period.
ClearLine Financial Services
We design financing solutions that are structured around the specific objectives of every business.
Advance rates vary by deal, typically 80–90% of eligible accounts receivable.
Inventory financing of 60%–70% of the cost, or up to 75%–85% of net orderly liquidation value.
Equipment secured term loans and sale leasebacks available on both existing and newly acquired equipment. LTV's will vary based on the asset.
Total cost of capital varies by transaction but typically will sit between 10-14% APR.
U.S
Geographic Focus
Businesses operating within the United States and Canada.
Industry Focus
Industry Focus
Industry-agnostic financing solutions available across a broad range of sectors.
$100k-$15MM
Funding Range
Transactions typically range from $100,000 to $15 million.
$1.2MM run rate
Revenue Expectations
Generally suited for companies generating at least $1.2 million in annualized revenue.
Growth-Focused
Profitability Requirements
No minimum EBITDA thresholds. Companies experiencing temporary losses or investing heavily in growth may still qualify.
Financing Structures
LENDING
Available solutions include: Senior secured debt, Subordinated and mezzanine financing, Asset-based lending, Cash flow lending, and Revenue-based financing.
