CLARIO CAPITAL

Partner with Clario Capital

Two ways in. Refer a business and get paid on funding, or work your own merchants as an ISO on our desk. We fund Canadian merchants from our own capital, in every province and territory.

Referral Partner

Introduce a Canadian business. We fund it ourselves and pay you on disbursement.

Funded transaction from your referral
2% of the funded amount, one time
Renewal or re-funding within 12 months
Same fee basis as the original

Who it is for

Accountants, bookkeepers, equipment dealers and advisors with Canadian business clients who need working capital faster than a bank will move.

  • You make the introduction and tell us what you know about the business.
  • We underwrite from our own capital, so there is no funder shopping and no waiting on a table.
  • We service and collect every transaction ourselves.
  • No licence, no volume minimum, no exclusivity on your side.

When you are paid. Paid by EFT within 5 business days of the funds reaching the merchant.

When it comes back. If the merchant defaults inside 30 days of funding, the fee comes back in full. On days 31 to 60, half comes back. After day 60 the fee is yours.

Territory. Merchants in Canada, every province and territory.

ISO Partner

Bring us your Canadian files and price them yourself, up to 10 points.

Funded by Clario Capital
Up to 10% of the funded amount, that is 10 points
Renewal or re-funding within 12 months
Same rate as the original basis

Who it is for

Brokers and ISO shops writing Canadian files who want a direct funder rather than another layer between them and the capital.

  • You own the merchant relationship and build the file.
  • You set the points, up to 10, and every point you leave improves the merchant's pricing.
  • We fund from our own capital, service the advance and collect it ourselves.
  • Each principal personally guarantees the clawbacks, and nothing beyond them.

When you are paid. Paid by EFT within 5 business days of the funds reaching the merchant.

When it comes back. A default event inside 30 days of funding returns 100% of the commission, days 31 to 60 return 50%, and days 61 to 90 return 25%. After day 90 the commission is yours.

Territory. Merchants in Canada, every province and territory.

The merchant you bring stays yours

Register a merchant by email and we confirm or decline in writing within 2 business days. A confirmed registration protects you for 3 months, and every piece of work you do on that merchant starts a fresh 3 months. Once a deal funds, that merchant is yours for good.

How it works

  1. Step 1

    Apply

    One short form. Tell us what kind of partner you are and roughly what you see in a month.

  2. Step 2

    Onboard

    We send you a private link. You confirm your business details, your owners, your banking for payouts, and your tax identifier, and you read the agreement in full before anything is signed.

  3. Step 3

    Sign

    You sign electronically. We countersign and send you the executed copy the same day.

  4. Step 4

    Register and submit

    Register each merchant by email before you work it. We confirm within 2 business days and your 3 month protection starts from that confirmation.

  5. Step 5

    Get paid

    EFT within 5 business days of funding or of commission receipt.

Our own capital. One underwriter. A real answer.

Clario funds Canadian merchants from its own balance sheet. No funder table to shop, no second layer to wait on, so the answer you get is the answer. We underwrite files carrying one to three positions that other funders send back, and we service and collect every advance.

$3,500 to $35,000
Advance
13 to 26 weeks
Term
Same or next day
Decision
Canada, all provinces
Territory

The perfect fileA Canadian business incorporated 12 months or more, depositing $15,000 or more a month across at least 8 deposits, carrying nothing or up to 3 existing positions, that needs money this week. Credit from 500. Our standard first advance is $3,500 to $15,000 sized from what the merchant can actually pay, and larger sits up to $35,000 on a written exception.

Deal parameters

Advance
$3,500 to $15,000 standard, to $35,000 by exception
Factor
1.55 typical, priced to the file
Term
13 to 26 weeks
Payments
Daily or weekly PAD, matched to the deposit pattern
Origination fee
5% of the advance
Existing positions
Up to 3 before us

What we need

  • 12+ months in business. Incorporated, operating and depositing throughout.
  • $15,000+ monthly revenue. Real operating receipts, not transfers or advances.
  • 6 months of business bank statements. All pages, every account carrying receipts or debt. The newest month is not optional.
  • 8+ deposits a month. Revenue that lands often enough to carry a PAD.
  • Credit from 500. Stated score. Past NSFs and one to three positions are workable.
  • Signed application. Ownership, the operating account and PAD authority.

Helpful but not required: a dated payoff letter on any buyout, processor statements where card revenue is material, and a void cheque. Three to five months of statements still get a conditional answer at a reduced size.

How a deal moves

  1. 1Send the fileEmail the signed application and 6 months of statements, with the business name as the subject. Referring rather than broking? The introduction alone is enough.
  2. 2Registered in one business dayWe confirm in writing and the merchant is protected under your name for 3 months.
  3. 3Underwritten in houseOne desk reads the statements end to end and prices the file.
  4. 4Offer and contractsTerms come back in plain language. Contracts and the PAD are signed electronically.
  5. 5Fund and get paidFunds move to the merchant and you are paid within 5 business days.

Sizing and industries

We size from payment capacity, not from the amount asked. Expect roughly one week of supportable payment times the term, after every existing position is counted. A file already carrying more than 3 active positions is outside the box, and revenue falling more than 25% across the window will not fund at any price.

Best pricing

  • Healthcare and wellness
  • Daycare and education
  • Professional services
  • Pharmacy
  • Veterinary

Fundable, sized conservatively

  • Restaurants and food service
  • Trades and contractors
  • Salons, spas, gyms
  • Retail and e-commerce
  • Auto repair and moving
  • Events and seasonal venues

We cannot fund

  • Trucking and freight
  • Oil and gas
  • Vehicle and equipment dealerships
  • Not for profit organizations
  • Financial services and money services
  • Holding companies

Apply

Two minutes. We read every application and reply from partners@clariocapital.com.

How do you want to partner?

By applying you agree to be contacted by Clario Capital about the partner program.

Clario Capital Inc., 310-1281 Hornby Street, Vancouver BC V6Z 0G8. Questions: partners@clariocapital.com. Rates shown are the standard rates and are governed by the signed partner agreement.