Bay Street Lending vs Clarify Capital: which broker should you use? (2026)

Full disclosure: we are Bay Street Lending, so we're biased. Clarify Capital works much like we do, and below we say plainly where it is the better choice. Every Clarify fact links to its source.

Updated October 2026 · Competitor facts checked October 2026

Bay Street Lending vs Clarify Capital at a glance

	Bay Street Lending	Clarify Capital
What it is	Broker with one named advisor	Broker with a dedicated loan advisor
Smallest request	$25,000	$5,000
Revenue minimum	$25K+/month deposits (working capital)	$10K+/month ($120K+/year)
Time in business	6+ months	6+ months
Lender network	100+ funding partners; only those that fit see your file	75+ lenders; per-file count not published
Cost to you	No fee from us; the funder pays us	No up-front fees; lending partners pay Clarify
Public reviews	5.0 on Google from 45 reviews	Trustpilot 4.9 from 873; no BBB profile found

1. Clarify Capital

A New York broker with a large review base, and the better pick for smaller requests and smaller businesses.

Best for: Businesses at 6+ months and $10K+/month needing $5K and up
Amounts: $5K to $5M; home-equity line up to $750K
Cost to you: No up-front fees; paid by its lending partners
Reviews: Trustpilot 4.9 (873); no BBB profile found

Clarify Capital is a broker based in New York. It does not lend its own money; it matches you with partner lenders from a network it puts at 75+, through a dedicated loan advisor who, in its words, "will do all the legwork for you." The online application is stated to take two minutes, and Clarify says its soft credit inquiry sets your rate, with a hard pull only if you accept an offer.

Its menu is broad: term loans from $5K to $5M with APRs it says start at 6%, lines of credit up to $5M, SBA loans up to $5M (typically 2 to 6 weeks), equipment financing up to 100% of cost, invoice factoring, same-day revenue-based financing, and a home-equity line of credit up to $750K. Its minimums are lower than ours: 6+ months in business, $120,000+ in yearly revenue, and some partners consider credit scores as low as 500. If you need under $25,000, or your business brings in $10K to $25K a month, Clarify is the better choice: we will not be able to help you.

Clarify's public record is strong: 4.9 on Trustpilot from 873 reviews, 97% five-star. The handful of one-star reviews describe pushy selling, a "no docs" loan that still required bank statements, and a cancelled loan where a payment was withdrawn anyway. Fit Small Business lists "limited control over final loan terms" as a con, since partner lenders set them. No BBB profile was found in two searches. By applying, you agree to be contacted by your Clarify advisor.

How Clarify Capital works ↗

2. Bay Street Lending

This is us. A broker founded by an investment banker and a partner who has spent his career in commercial finance, built for established businesses needing $25K to $10M.

Best for: Businesses at 6+ months and $25K+/month deposits
Amounts: Working capital $25K–$2.5M; SBA and equipment to $5M; factoring to $10M
Cost to you: No fee from us; the funder pays us if you fund
Reviews: 5.0 on Google from 45 reviews

Bay Street Lending is a broker founded by an investment banker and a partner who has spent his career in commercial finance. You apply once (a soft credit pull, about two minutes), and one named advisor works your file from start to finish. We compare 100+ funding partners, send your file only to the ones that fit it, and never sell your information to other lenders.

Every option comes back priced side by side: total cost, payment and term, in writing, before you sign, with no obligation to accept. Working capital runs $25K to $2.5M and can fund in as little as 6 hours. We also arrange SBA 7(a) and 504 loans, equipment financing, lines of credit up to $1M, invoice factoring from $25K to $10M with 80% to 95% advanced, and purchase order financing from $25K. Our team has arranged $250M+.

Where we fall short against Clarify: our minimum request is five times higher, our deposit floor is higher, our line of credit tops out at $1M against Clarify's $5M, we do not arrange home-equity lines, and we have 45 Google reviews against Clarify's 873.

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The differences that matter

Size of business: Clarify: $10K+/month. Us: $25K+/month deposits.
Product focus: Clarify: fast, credit-light options. Us: factoring, PO and SBA alongside working capital.
Your data: Clarify: shared with advance notice. Us: only funders that fit.

These two firms are closer than most comparisons. Both are brokers, both assign an advisor, both quote with a soft pull, and both are paid by the lender. The decision usually comes down to the size of your business and what you need the money for.

Product focus. Clarify promotes speed and flexibility: its about page lists no-doc lending and bad-credit funding among the specialties of one co-founder, and its same-day funding is tied to revenue-based financing and invoice factoring. That suits an owner who needs cash today. If your file could qualify for a term loan, SBA loan or line of credit, ask either broker which product you are being offered and why. We put every option on one page so you can see the cheaper ones next to the faster ones.

Your data. Clarify's privacy policy says it does not sell or transfer your personal information to outside parties "unless we provide users with advance notice," and that non-personal visitor information may go to other parties for marketing. We send your file only to funders whose criteria it meets and never sell your information to other lenders. Either way, ask who will see your application before you submit it.

Our pick

Choose Clarify Capital if you need less than $25,000, deposit $10K to $25K a month, want a home-equity line, or weigh a large public review base heavily.

Choose Bay Street Lending if you deposit $25K or more a month, need $25K to $10M including invoice factoring or purchase order financing, and want every option priced side by side in writing before you commit.

What we'd do today

Check your average monthly deposits over the last 3 to 6 months; that alone often decides between the two.
Write down the amount, what it is for, and the payment your cash flow can carry each week or month.
Gather 3 to 6 months of bank statements and ID; Clarify and we both start there.
Ask which product you are being offered and whether a cheaper one, such as a term or SBA loan, is possible.
Compare offers on total payback and payment, not only the rate, and get it in writing.

Questions

Is Clarify Capital a lender?

No. Clarify Capital is a broker. It matches you with partner lenders, says it charges no up-front fees, and is paid by its lending partners.

Is Bay Street Lending a lender?

No. Bay Street Lending is a broker. The funder that approves your file pays us; you do not pay us a fee, and you are under no obligation to accept an offer.

What are Clarify Capital's requirements?

Clarify asks for 6+ months in business and $120,000+ in yearly revenue. It says some partners consider credit scores as low as 500, with same-day funding for scores over 550.

Which is better for a small loan?

Clarify Capital. Its amounts start at $5,000. Bay Street Lending works with requests of $25,000 or more.

Will applying hurt my credit?

Neither starts with a hard pull. Clarify says it uses a soft inquiry to set your rate and a hard pull only if you accept an offer. Bay Street Lending starts with a soft pull.

See what Bay Street Lending can do for you

One application, one named advisor, and every option priced side by side. Your file goes only to funders that fit, we never sell your information to other lenders, and there is no obligation to accept.

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Sources

We checked every competitor fact on this page in October 2026. Terms change; confirm on the provider's site before you apply. Bay Street Lending is a broker, not a lender.