Running a business means managing opportunity and cash flow at the same time.
Maybe you need new equipment before your busy season. Maybe inventory costs hit all at once. Maybe you’re ready to expand, but timing matters.
Clover Capital is one of the funding options Basys makes available to eligible businesses processing through the Fiserv platform. It provides access to capital that’s repaid through future card sales instead of traditional monthly loan payments.
Here’s what that actually means.
What is Clover Capital?
Clover Capital is one of the funding options Basys offers to eligible businesses based on their processing relationship through Fiserv.
If approved, you receive a lump sum of capital up front. Instead of paying interest or making fixed monthly payments, the amount is repaid automatically as a percentage of your daily card batches.
In simple terms:
- You receive funding.
- A portion of your future card sales goes toward repayment.
- There’s no traditional interest structure.
- Payments flex with your sales volume.
It’s designed to align repayment with how your business earns revenue.
A Different Approach to Business Funding
Traditional loans or lines of credit often include:
- Interest that accrues over time
- Fixed monthly payments
- Long approval timelines
- Extensive documentation requirements
Clover Capital works differently.
There’s no traditional interest model. Instead, you agree to repay a fixed total amount through a percentage of your processed sales. Because repayment is tied to batches, payments adjust naturally with your revenue flow.
And in many cases, once approved, funding can move incredibly fast.
Eligibility at a Glance
Eligibility is determined based on the financial health of your business and whether your processing relationship supports the program.
Factors like outstanding liens or levies may impact approval. Strong processing history and overall financial stability typically improve eligibility.
If you’re unsure whether you qualify, the best first step is talking with your Basys representative. We can help you understand what may apply to your specific situation and walk you through next steps.
Flexible Repayment by Design
Repayment happens automatically through a percentage of your daily card batches.
That means:
- On higher sales days, more goes toward repayment.
- On slower days, less goes toward repayment.
- There are no fixed monthly payment dates to track.
It adjusts with your business activity. For many owners, that flexibility is the biggest appeal, especially compared to rigid loan structures.
Using Capital Strategically
While every business is different, owners commonly use funding like this for:
- Purchasing equipment
- Expanding or renovating a location
- Hiring staff ahead of growth
- Managing seasonal inventory increases
- Supporting cash flow during peak opportunity periods
The key is using capital strategically to generate growth or stability, not just to cover gaps without a plan.
Know Before You Commit
Clover Capital isn’t ideal for every situation.
If your business is experiencing significant financial strain or instability, taking on additional repayment obligations may not be the right move. Approval also depends on financial health and processing history.
That’s why it’s important to look at the full picture before accepting any offer.
Support Every Step of the Way
You may see funding offers appear within your processing system. What many business owners don’t realize is that how you navigate the process matters.
When you work through Basys:
- We help you understand your eligibility.
- We walk you through the application.
- We help monitor the process after submission.
- We answer your questions before you accept an offer.
- We make sure you understand the repayment structure clearly.
And because approvals and funding can happen quickly, having a real team to talk to makes a big difference.
Our role isn’t just to process payments; it’s to help you make informed decisions that support your long-term success.
If you use Clover and are curious whether funding may be available to you, . We’ll help you explore your options and determine what makes sense for your business.
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