Products · Business Financing
Explore Business Financing Options Through Your Connected Payment Platform
Cliq helps eligible merchants review working capital, term loan, and other financing opportunities from participating lenders — using business and payment information you already have. Cliq is not a lender.
One Connected Experience for Business Financing
Embedded business financing lets eligible businesses explore financing inside a platform they already use for payments — instead of locating lenders separately and completing multiple applications.
Connected Applications
Begin a supported financing application through a workflow tied to your Cliq merchant experience.
Pre-Populated Business Information
Where available and authorized, existing merchant information may reduce repetitive application entry.
Application Visibility
Review supported application updates and next steps through the financing workflow.
Lender-Provided Offers
Approved applicants receive terms directly from the participating lender to review before accepting.
Working Capital & Term Loans
Financing for eligible short-term operating needs, or an established amount with a set repayment period and schedule.
SBA Loan Opportunities
Eligible businesses may explore SBA-backed financing through participating approved lenders, subject to SBA requirements and lender approval.
How It Works
From Exploring Options to Receiving Funds
Financing follows a clear path — and reviewing an offer does not require acceptance unless the application terms state otherwise.
- ExploreReview financing programs that may be available for your business through participating lenders
- ApplyProvide the business, ownership, and financial information the lender requests
- DecideThe lender reviews the application under its own underwriting standards and decides whether to extend an offer
- AcceptExamine amount, cost, repayment obligations, and terms, then accept or decline; the lender disburses funds on its own process and timeline
Built for Informed Merchant Decisions
Understand the Cost Before You Accept
Financing products differ significantly in structure. Before accepting an offer, review the complete terms from the lender.
- Review the financing amount, the interest rate or financing cost, and the APR where required or provided
- Review the repayment schedule, total repayment amount, and any prepayment benefit, restriction, or fee
- Confirm whether the lender requires a personal guarantee or collateral
- A product described as having a fixed fee rather than an interest rate still has a financing cost
Who It's For
Financing needs vary by industry and stage. Cliq’s connected experience supports eligible, approved uses across many business types.
Growth
Retail & Seasonal
Explore financing for inventory, seasonal demand, and store improvements.
Seasonal
Restaurants & Hospitality
Consider funding for equipment, renovations, and marketing under participating lender terms.
Retail
Professional & Field Services
Evaluate financing for hiring, technology, vehicles, materials, and expansion.
The Essentials
Frequently Asked
Is Cliq a lender?
No. Cliq provides technology and a connected experience through which eligible businesses may explore financing. Loans and other financing products are offered, underwritten, approved, and funded by participating third-party lenders.
Does applying guarantee that my business will receive financing?
No. All applications are subject to the participating lender’s eligibility requirements, underwriting standards, verification process, and final approval.
How much financing can my business receive?
Available amounts depend on the product, lender, business qualifications, requested use, underwriting results, and applicable limits. The lender provides the approved amount in any formal offer.
Are there interest-free financing options?
A product described as having a fixed fee rather than an interest rate still has a financing cost. Review the fixed fee, total repayment amount, APR where provided or required, and all other lender disclosures.
Explore Financing That Supports Your Next Business Move
Whether you’re managing seasonal expenses, purchasing equipment, expanding, or investing in growth, Cliq provides a connected way to explore financing opportunities from participating lenders. Review available options, understand the terms, and choose whether an approved offer fits your business.
Or call us directly at (866) 634-3044