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STARTUP and GENERAL BUSINESS LOANS - PLUS HARD MONEY . . . (NATIONWIDE)
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BUSINESS STARTUP FINANCING
- Pre-Revenue is okay . . .
- No time in business is okay.
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BUSINESS OWNER -
This is Steve Downing, president of Clearsailing Financial, located in Clearwater, Florida. We are a veteran-owned business and we serve clients nationwide.
Our specialty is business startup financing.
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BUSINESS STARTUP FINANCING
1) BUSINESS CREDIT LINE
Our most popular option for startup and early-stage companies is the Business Credit Line, funded in the form of Business Credit Cards. We can fund you from $20K to $150K at 0% APR for 9–18 months, typically, and in some scenarios up to 24 months.
Use the power of business credit cards to fund your new company. Business credit cards can be used to pay for nearly any business expense. And, if needed, your credit line can be liquidated to cash.
Get started today:
- No business income is needed
- No time in business is required.
- No bank statements required
- No tax returns required
- No paystubs or 1099 receipts needed
The only requirements are:
- An EIN (Federal Tax ID) is needed. We can assist if you don't have one.
- Minimum Credit Score: 670. If your credit is below par, we can accept a co-signer.
- U.S. Citizen or legal, permanent resident
If you are interested in our business credit line, click REPLY, above, and request the details.
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2) 401-K/IRA ROLLOVER
Another option for business startups is the 401-K/IRA rollover, or ROBS. ROBS stands for Rollover for Business Startups! We can roll your 401-K or IRA savings into your business, tax-deferred and penalty-free. Credit is not checked. A minimum account balance of $40K is required.
Since this is your money, there is no loan, and no loan payments are required. There are required IRS compliance fees.
Running your new company without loan payments will put you in the black sooner.
401-K accounts cannot be with your current employer. IRA accounts cannot be self-directed.
If you are interested in our 401-K/IRA rollover, click REPLY, above, and request the details.
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3) GIG LOAN - UP TO $20,000
A "gig loan" from is a revenue-based cash advance that provides independent contractors with rapid, same-day capital up to $20,000 based on their transparent bank deposit history rather than a credit score.
Gig Loan: Basic Requirements:
- Time-in-business: 3 months minimum
- Monthly Business Income: $3,000 minimum
- Credit Score: 450 minimum
- At least 4 deposits within the past month
- Not available in New York, California, or Oregon
Apply Now: Click - or copy/paste into your browser window's address field - the following link:
https://DavidAllenCapital.com/gigfunding/clearsailing
If needed . . .
Agent name: Steve Downing
Agent ID#: 556405453
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Gig Loan: Who can get a gig loan?
Transportation & Logistics: Ride-share drivers (Uber, Lyft), delivery couriers (DoorDash, Instacart, Grubhub), and independent owner-operator truckers
Creative & Professional Freelancers: Graphic designers, software developers, copywriters, and consultants operating via platforms like Fiverr or Upwork
Personal & Mobile Services: Independent barbers, hair stylists, personal trainers, mobile pet groomers, and house cleaners
Skilled Trades: Independent handymen, roofers, painters, and landscapers who manage their own client invoicing
Geographical Restriction: Not available in New York, California, or Oregon
Apply Now: Click - or copy/paste into your browser window's address field - the following link:
https://DavidAllenCapital.com/gigfunding/clearsailing
If needed . . .
Agent name: Steve Downing
Agent ID#: 556405453
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Gig Loan: Other Requirements and Restrictions:
You must have at least 3 months of consistent 1099, freelance, or self-employment activity.
You must securely link an active bank account that demonstrates regular platform payouts or gig earnings (e.g., Uber, DoorDash, Fiverr, Upwork).
Not available in New York, California, or Oregon
Apply Now: Click - or copy/paste into your browser window's address field - the following link:
https://DavidAllenCapital.com/gigfunding/clearsailing
If needed . . .
Agent name: Steve Downing
Agent ID#: 556405453
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Gig Loan: How to verify your business income?
No W-2 Only Employees: If your income is verified exclusively through standard payroll paystubs (W-2), you will not qualify.
To prove business income, you must link a bank account showing a history of 1099, gig platform, or small business income deposits. Again, traditional W-2 paycheck deposits do not qualify.
Apply Now: Click - or copy/paste into your browser window's address field - the following link:
https://DavidAllenCapital.com/gigfunding/clearsailing
If needed . . .
Agent name: Steve Downing
Agent ID#: 556405453
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Click REPLY, above, for more information regarding our gig loan.
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4) STANDARD BUSINESS LOANS - UP TO $10,000,000
Depending on your financial profile, I will get you the best loan I can.
This could be an SBA loan, a standard bank loan, a business line of credit, or a cash advance.
NOTE: As of July 4th, 2026, eligible borrowers can now qualify for a maximum of $10 million in SBA-backed financing.
We have many other options, including (fast-funding) working capital loans, equipment financing, 401-K (or IRA) rollovers, and more.
We have financing for everyone!
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5) HARD MONEY FOR DEVELOPMENT PROJECTS
SPEC FUNDING FOR NEW HOME BUILDS . . .
Developer, Investor -
This is Steve Downing, owner and president of Clearsailing Financial, located in Clearwater, Florida. My partner, Robert Hurst, and I live and work in mid/southwest Florida.
We specialize in hard money lending for development projects, investor and builder spec funding for new home builds - and just about any real estate financing that's outside of the box.
We also offer general business loans for a variety of business purposes, including bridge or gap loans in the construction industry: bank loans, business lines of credit, fast-funding working capital loans, and much more.
Please give me a few details about your current project. We will, if it is humanly possible, get you funded. We get the tough ones done!
As you know, spec home construction loans operate on a short-term basis with typical terms of 10-18 months, though in some cases we can offer extensions up to or beyond 24 months, especially for large or complex projects. This time frame allows you to complete construction and market the finished home while maintaining reasonable carrying costs.
Whether you’re a first time builder exploring spec construction or an experienced developer seeking to optimize your financing strategy, the right loan product and lender relationship can make the difference between project success and failure.
Again, we WILL get you funded!
Click REPLY, above, and tell me:
1. Your project situation
2. How much you need to borrow
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For information, click REPLY, above, or message me directly at: https://form.jotform.com/221133472585151
Cheers!
Steve
Steve Downing
Clearsailing Financial
Clearwater Beach, Florida
We Lend Nationwide: Across the USA
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