Clover Capital Program

Say hello to a better way to grow

Looking to expand, make renovations, or upgrade your equipment? With Clover® Capital, it’s easier than ever to turn your future credit card sales into working capital.

Fast, flexible financing for your business

Turn sales into capital:

Sure you’re a small business. But that doesn’t mean you can’t think big. Let Clover Capital help.


Get funded quickly:

Once you’re approved, you’ll see your working capital in your account in just 3–5 business days.


Fast application process:

Complete and submit your application faster compared to traditional requests for capital. Applications are typically approved in 1–2 business days.

Easy to repay:

Clover Capital is based on your future sales, so you can feel confident in your ability to repay. The payment structure is managed through partial withholding of settlement funds.
Unlike a loan, Clover Capital has: No fixed term, No fixed payment amount, No interest rate, No personal guarantee.

How it Works:

  • 1. Apply, Clover merchants: Log into your Clover Dashboard and click on Clover Capital on the left navigation bar. Follow the steps as indicated to complete your application. Not a Clover merchant? Contact your local business consultant about getting pre-approved and helping you with the application process.
  • Step 2. Select desired advance: After you’re approved, you’ll be able to select the advance amount that works for you. The funds will be deposited into your account in three to five business days.

  • Step 3 – Repay based on your sales: Pay back the advance amount with a percentage of your sales. You pay more when your sales are strong; less if sales slow down.