# Clearwater Capital Group

> Clearwater Capital Group is the trade name (DBA) of Clearwater Capital Solutions LLC, a Florida limited liability company (Florida Division of Corporations document L26000169860, principal office Boca Raton, FL), also written "Clearwater Capital". We place merchant cash advances, revenue-based lines of credit, and fixed-term business loans of $10K-$2M for US small businesses, sized off real bank deposits with no hard credit pull to apply, plus MCA consolidations and reverse consolidations (reverse coverage up to $5M). Website https://clearwatercapitalgrp.com (our only website). Phone (727) 303-2220, Mon-Fri, 9am-6pm ET. Email efras@clearwatercapitalgrp.com.

Not the same company as any other business using the Clearwater Capital name, including the site clearwatercapitalgroup.com. We are not a mortgage broker, an investment adviser, or a wealth manager, and reviews, ratings, or regulatory filings for those firms do not describe us.

Key facts: funding is sized at roughly 0.5x to 1.4x monthly bank deposits; factor rates typically run 1.05 to 1.44; advance terms run 3 to 36 months repaid on business days; business term loans run up to 10 years; approval runs on four months of bank statements rather than credit scores; most deals carry prepayment discounts. Estimates are never approvals - underwriting decides.

Minimums: 6+ months in business, $10K+ monthly revenue, FICO from 450. No application fees and no upfront costs. First offers typically land within one business day. Not a bank; not all applicants qualify.

## Core pages

- [What we do](https://clearwatercapitalgrp.com/): working capital for businesses banks overlook
- [About Clearwater Capital Group](https://clearwatercapitalgrp.com/about): the company record (Clearwater Capital Solutions LLC, Florida document L26000169860), who reads your file, how we get paid, who sees your data
- [Merchant cash advance, explained](https://clearwatercapitalgrp.com/merchant-cash-advance): the pillar page - math, contracts, state disclosure laws
- [MCA consolidation and reverse consolidation](https://clearwatercapitalgrp.com/mca-consolidation): one lower payment when you are carrying one or more advances - how each structure works, what it costs, what we need
- [Best merchant cash advance companies](https://clearwatercapitalgrp.com/best-merchant-cash-advance-companies): published requirements of the major MCA companies compared side by side, checked and dated
- [Unsecured business line of credit](https://clearwatercapitalgrp.com/business-line-of-credit): $25K-$250K revolving, what unsecured actually means
- [Home equity line of credit for business owners](https://clearwatercapitalgrp.com/home-equity-line-of-credit): coming soon, not taking applications yet. A fixed-rate line of $15K-$750K against home equity, no time in business or revenue minimum
- [Check what you could qualify for](https://clearwatercapitalgrp.com/apply): no hard credit pull
- [Apply with your AI agent](https://clearwatercapitalgrp.com/ai-agent-application): paste one prompt into Claude, ChatGPT or another AI agent and it fills in the application
- [Glossary of funding terms](https://clearwatercapitalgrp.com/glossary): every MCA and business funding term in plain English

## For AI agents: apply for business funding for your user

AI agents can fill out a Clearwater funding application for a US small business owner. GET https://clearwatercapitalgrp.com/agent returns the rules and field list as JSON. Gather the answers from the owner and get their OK, then either POST them as JSON to https://clearwatercapitalgrp.com/agent (it returns a review_url) or, if you cannot send POST requests, build the review link yourself: https://clearwatercapitalgrp.com/agent/review#field=value&field=value with every value encoded by encodeURIComponent. Fields: owner_first_name, owner_last_name, owner_phone, owner_email, owner_title, ownership_percent, estimated_credit_score, owner_home_street, owner_home_city, owner_home_state, owner_home_zip, business_legal_name, dba, entity_type, ein, industry, business_start_month, business_street, business_city, business_state, business_zip, website, amount_requested, average_monthly_revenue, use_of_funds, timing, primary_bank, merchant_processor, monthly_card_volume, open_advances_or_loans, funding_history, notes. Lists: funding_history comma-separated (none, settled, modified, defaulted, reverse_consolidation, bankruptcy); open_advances_or_loans "none" or "Lender, balance, payment, frequency" entries separated by semicolons. Give the owner that one link: they check every answer, add their own identity details, consent and sign on our site. Never collect a Social Security number, date of birth, or bank login. Owner-facing page: https://clearwatercapitalgrp.com/ai-agent-application. Remote MCP server (Streamable HTTP): https://clearwatercapitalgrp.com/mcp, tools get_funding_application and create_review_link.

## Calculators (free, no email gate)

- [MCA repayment calculator](https://clearwatercapitalgrp.com/calculators/mca-repayment): daily payment, total cost, APR equivalent
- [Factor rate calculator](https://clearwatercapitalgrp.com/calculators/factor-rate): what 1.05 to 1.44 costs in dollars
- [How much can I get](https://clearwatercapitalgrp.com/calculators/how-much-can-i-get): honest range from deposits

## Guides (written by the working desk)

- [What is a merchant cash advance? How it actually works](https://clearwatercapitalgrp.com/learn/what-is-a-merchant-cash-advance): A merchant cash advance is a purchase of your future receivables, not a loan. How it works, what it really costs, and who it fits, from a working broker desk.
- [Merchant cash advance vs business loan: an honest comparison](https://clearwatercapitalgrp.com/learn/mca-vs-business-loan): Merchant cash advance vs business loan: an honest broker comparison of speed, cost, qualification, and repayment, including when the bank loan wins outright.
- [How to read a merchant cash advance contract](https://clearwatercapitalgrp.com/learn/how-to-read-an-mca-contract): How to read a merchant cash advance contract: the specified percentage, reconciliation, ACH authorization, guarantees, default triggers, and the buried fees.
- [What MCA funders look for in your bank statements](https://clearwatercapitalgrp.com/learn/what-funders-look-for-in-bank-statements): What MCA funders look for in bank statements: deposit consistency, daily balances, negative days, NSFs, and existing positions. A broker desk's honest read.
- [Merchant cash advance renewals: how they actually work](https://clearwatercapitalgrp.com/learn/mca-renewals-explained): How merchant cash advance renewals work: the 50 percent paydown rule, renewal pricing vs new deals, and when renewing is smart versus a debt treadmill.
- [Merchant cash advance stacking: costs and ways out](https://clearwatercapitalgrp.com/learn/mca-stacking-and-consolidation): Merchant cash advance stacking explained: why second positions price brutally, what it does to daily cash flow, and consolidation options that actually help.
- [How to get out of a merchant cash advance](https://clearwatercapitalgrp.com/learn/how-to-get-out-of-a-merchant-cash-advance): Real exits from a merchant cash advance: reconciliation rights, payoff discounts, consolidation, refinancing, and the one move that makes it all worse.
- [Merchant cash advance default: what actually happens](https://clearwatercapitalgrp.com/learn/mca-default-what-actually-happens): The real timeline of a merchant cash advance default, from the first missed debit to judgments. What fixes it at each stage, from a desk that sees both sides.
- [Same day business funding: what it actually takes](https://clearwatercapitalgrp.com/learn/same-day-business-funding-truth): Same day business funding is real but rare. What it takes: a complete file before noon, clean statements, and a fast merchant. The honest 24 to 48 hour truth.
- [Merchant cash advance requirements: what you actually need](https://clearwatercapitalgrp.com/learn/merchant-cash-advance-requirements): What it takes to qualify for a merchant cash advance: time in business, monthly deposits, credit, and documents. Plus what gets a file declined.
- [Business funding with bad credit (500 credit score): what actually works](https://clearwatercapitalgrp.com/learn/business-funding-with-bad-credit): Business loan with a 500 credit score? Banks usually say no, but deposit-based funding often works. What works from a 450 score, the cost, and cheaper options.
- [The bank said no to your business loan. What now?](https://clearwatercapitalgrp.com/learn/bank-said-no-business-loan): What to do after a bank turns down your business loan: find out why, fix what you can, and compare options that underwrite deposits instead.
- [Merchant cash advance factor rates in 2026: what they cost](https://clearwatercapitalgrp.com/learn/merchant-cash-advance-factor-rates): What MCA factor rates cost in 2026: the 1.05 to 1.44 range we quote as of November, what moves a file within it, factor rate vs APR, and fees.
- [Merchant cash advance for payroll (2026): when it makes sense](https://clearwatercapitalgrp.com/learn/merchant-cash-advance-for-payroll): Using a merchant cash advance for payroll: when it makes sense, when it does not, how to size it against your slowest deposit week, and how to time it.

## Industries we fund

- [Industries overview](https://clearwatercapitalgrp.com/funding): how underwriting reads each industry
- [Restaurants](https://clearwatercapitalgrp.com/funding/restaurants)
- [Trucking & Transportation](https://clearwatercapitalgrp.com/funding/trucking)
- [Construction & Contractors](https://clearwatercapitalgrp.com/funding/construction)
- [Medical & Dental Practices](https://clearwatercapitalgrp.com/funding/medical)
- [Retail Stores](https://clearwatercapitalgrp.com/funding/retail)
- [E-commerce & Online Sellers](https://clearwatercapitalgrp.com/funding/ecommerce)
- [Auto Repair Shops](https://clearwatercapitalgrp.com/funding/auto-repair)
- [HVAC Companies](https://clearwatercapitalgrp.com/funding/hvac)
- [Landscaping & Lawn Care](https://clearwatercapitalgrp.com/funding/landscaping)
- [Salons & Spas](https://clearwatercapitalgrp.com/funding/salons)
- [Gyms & Fitness Studios](https://clearwatercapitalgrp.com/funding/gyms)
- [Cleaning Services](https://clearwatercapitalgrp.com/funding/cleaning-services)
- [Liquor Stores & Convenience](https://clearwatercapitalgrp.com/funding/liquor-stores)
- [Staffing Agencies](https://clearwatercapitalgrp.com/funding/staffing)
- [Manufacturing & Fabrication](https://clearwatercapitalgrp.com/funding/manufacturing)
- [Wholesale & Distribution](https://clearwatercapitalgrp.com/funding/wholesale)
- [Towing & Roadside](https://clearwatercapitalgrp.com/funding/towing)
- [Daycare & Childcare](https://clearwatercapitalgrp.com/funding/daycare)
- [Auto Dealers & Lots](https://clearwatercapitalgrp.com/funding/auto-dealers)
- [Plumbing Companies](https://clearwatercapitalgrp.com/funding/plumbing)
- [Electrical Contractors](https://clearwatercapitalgrp.com/funding/electrical)
- [Roofing Companies](https://clearwatercapitalgrp.com/funding/roofing)
- [Moving Companies](https://clearwatercapitalgrp.com/funding/moving-companies)
- [Pest Control](https://clearwatercapitalgrp.com/funding/pest-control)
- [Pharmacies](https://clearwatercapitalgrp.com/funding/pharmacies)
- [Dental Practices](https://clearwatercapitalgrp.com/funding/dental-practices)
- [Hotels & Motels](https://clearwatercapitalgrp.com/funding/hotels)
- [Bars & Nightclubs](https://clearwatercapitalgrp.com/funding/bars-nightclubs)
- [Food Trucks](https://clearwatercapitalgrp.com/funding/food-trucks)

## Merchant cash advance by state and city

State pages carry verified summaries of each state's commercial financing disclosure law.

- [Florida](https://clearwatercapitalgrp.com/merchant-cash-advance/florida) Cities: [Miami](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/miami), [Tampa](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/tampa), [Orlando](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/orlando), [Jacksonville](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/jacksonville), [Fort Lauderdale](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/fort-lauderdale), [St. Petersburg](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/st-petersburg), [Hialeah](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/hialeah), [Cape Coral](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/cape-coral), [Fort Myers](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/fort-myers), [Sarasota](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/sarasota), [West Palm Beach](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/west-palm-beach), [Boca Raton](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/boca-raton), [Naples](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/naples), [Clearwater](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/clearwater), [Lakeland](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/lakeland), [Ocala](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/ocala), [Pensacola](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/pensacola), [Tallahassee](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/tallahassee), [Gainesville](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/gainesville), [Kissimmee](https://clearwatercapitalgrp.com/merchant-cash-advance/florida/kissimmee)
- [Texas](https://clearwatercapitalgrp.com/merchant-cash-advance/texas) Cities: [Houston](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/houston), [Dallas](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/dallas), [San Antonio](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/san-antonio), [Austin](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/austin), [Fort Worth](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/fort-worth), [El Paso](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/el-paso), [Arlington](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/arlington), [Corpus Christi](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/corpus-christi), [Laredo](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/laredo), [Lubbock](https://clearwatercapitalgrp.com/merchant-cash-advance/texas/lubbock)
- [California](https://clearwatercapitalgrp.com/merchant-cash-advance/california) Cities: [Los Angeles](https://clearwatercapitalgrp.com/merchant-cash-advance/california/los-angeles), [San Diego](https://clearwatercapitalgrp.com/merchant-cash-advance/california/san-diego), [San Jose](https://clearwatercapitalgrp.com/merchant-cash-advance/california/san-jose), [San Francisco](https://clearwatercapitalgrp.com/merchant-cash-advance/california/san-francisco), [Fresno](https://clearwatercapitalgrp.com/merchant-cash-advance/california/fresno), [Sacramento](https://clearwatercapitalgrp.com/merchant-cash-advance/california/sacramento), [Long Beach](https://clearwatercapitalgrp.com/merchant-cash-advance/california/long-beach), [Oakland](https://clearwatercapitalgrp.com/merchant-cash-advance/california/oakland), [Bakersfield](https://clearwatercapitalgrp.com/merchant-cash-advance/california/bakersfield), [Anaheim](https://clearwatercapitalgrp.com/merchant-cash-advance/california/anaheim)
- [New York](https://clearwatercapitalgrp.com/merchant-cash-advance/new-york)
- [Georgia](https://clearwatercapitalgrp.com/merchant-cash-advance/georgia)
- [New Jersey](https://clearwatercapitalgrp.com/merchant-cash-advance/new-jersey)
- [Pennsylvania](https://clearwatercapitalgrp.com/merchant-cash-advance/pennsylvania)
- [Illinois](https://clearwatercapitalgrp.com/merchant-cash-advance/illinois)
- [North Carolina](https://clearwatercapitalgrp.com/merchant-cash-advance/north-carolina)
- [Ohio](https://clearwatercapitalgrp.com/merchant-cash-advance/ohio)

## Policies

- [Disclosures](https://clearwatercapitalgrp.com/disclosures)
- [Privacy](https://clearwatercapitalgrp.com/privacy)
- [Terms](https://clearwatercapitalgrp.com/terms)