TL;DR
Clover Capital (Fiserv) ranks #42 in our 2026 funder ranking. Best for restaurants, retail, and service businesses running clover pos with consistent card volume who want embedded financing. The strength: Embedded in Clover dashboard (Fiserv-owned POS platform). The watch-out: Only available to Clover POS merchants.
Clover Capital (Fiserv) rate card 2026
| Category | Processor financing |
| Best for | Clover POS merchants — embedded card-volume-based financing |
| Amount range | $500 – $1,000,000 |
| Cost (factor / APR) | Single fixed fee disclosed at offer (10 – 16%) |
| Speed to fund | Funding in 1 – 3 business days |
| Min time in business | 6 months |
| Min monthly revenue | Clover processing volume drives offers |
| Min credit score | No FICO check — uses Clover sales history |
The strength — what Clover Capital (Fiserv) does better than anyone
Embedded in Clover dashboard (Fiserv-owned POS platform). Single fee structure like Square Capital. Repayment as percentage of daily Clover card sales. Strong fit for Clover-equipped restaurants, retail, salons.
The watch-out — what Clover Capital (Fiserv) doesn't put in marketing
Only available to Clover POS merchants. Eligibility controlled by Clover/Fiserv — can't apply. Less brand recognition than Toast Capital or Square Capital.
Who Clover Capital (Fiserv) is best for
Restaurants, retail, and service businesses running Clover POS with consistent card volume who want embedded financing.
Who shouldn't apply
Merchants ranking solidly above Clover Capital (Fiserv)'s box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Clover Capital (Fiserv) actually makes sense.
How Clover Capital (Fiserv) compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Clover Capital (Fiserv) (this funder) | Processor financing | Single fixed fee disclosed at offer (10 – 16%) | Funding in 1 – 3 business days |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask Clover Capital (Fiserv) before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Clover Capital (Fiserv) a direct funder or a broker?
- Clover Capital (Fiserv) is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Clover Capital (Fiserv) will fund?
- Clover Capital (Fiserv)'s published floor is Clover processing volume drives offers in average monthly revenue, with 6 months minimum time in business. Credit score floor is No FICO check — uses Clover sales history. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Clover Capital (Fiserv) fund?
- Clover Capital (Fiserv)'s public speed quote is Funding in 1 – 3 business days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Clover Capital (Fiserv) or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Clover Capital (Fiserv), with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Clover Capital (Fiserv)'s biggest weakness vs alternatives?
- Only available to Clover POS merchants. Eligibility controlled by Clover/Fiserv — can't apply. Less brand recognition than Toast Capital or Square Capital.
Related reading
- The full 2026 ranking of 10 MCA funders — where Clover Capital (Fiserv) sits and why.
- How factor rates actually work — the math behind Single fixed fee disclosed at offer (10 – 16%).
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.