Fast, Flexible Financing Designed for Your Growth

Fund Your Business with Clover Capital — Offered Through Sprocket Payments

Clover Capital turns your future credit and debit card sales into working capital — now available directly through Sprocket Payments. Whether you need funds to expand, restock, or stabilize cash flow, this partnership makes financing simple, quick, and accessible.

What Is Clover Capital?

Clover Capital is not a loan — it’s a cash advance based on your business’s projected future card sales. Through Sprocket Payments, you can access this funding seamlessly while continuing to process payments as usual.

No fixed monthly payments

No hard credit checks

Flexible repayment based on your daily sales

Why Choose Clover Capital Through Sprocket Payments?

Quick and Convenient

Funding decisions are based on your existing processing history — no lengthy applications or credit pulls.

Flexible Terms

Repayment adjusts with your sales volume, not a rigid monthly due date.

Seamless Integration

Funds and repayments flow directly through your Sprocket Payments system — no extra accounts or third-party logins.

Trusted Partnership

Sprocket Payments partners with Clover to deliver secure, reliable financing from one of the industry’s most established providers.

How You Can Use Your Clover Capital Funds

Put your working capital to use wherever it drives the most value for your business:

Increase Inventory

Stock up on top-selling products or seasonal items.

Upgrade Equipment

Repayment adjusts with your sales volume, not a rigid monthly due date.

Hire Additional Staff

Expand your team to meet growing demand.

Enhance Marketing Efforts

Launch new campaigns or strengthen your digital presence.

How Clover Capital Works

Apply Through Sprocket Payments

Eligible Sprocket merchants receive an invitation to apply directly through their dashboard or email.

Choose from available funding options to find the amount and repayment terms that best fit your needs.

Choose from available funding options to find the amount and repayment terms that best fit your needs.

Choose from available funding options to find the amount and repayment terms that best fit your needs.

Who Qualifies for Clover Capital?

Businesses may qualify if they:

Have been operating for at least 6 months

Process a minimum of $1,000 per month in card sales for the past 3 months

Maintain a solid processing history with Sprocket Payments and Clover

Frequently Asked Questions

Do I qualify for Clover Capital through Sprocket Payments?
If you process payments through Sprocket and meet basic sales and business history requirements, you may be eligible to apply.
No — applying does not impact your personal or business credit score.
Repayments are automatically deducted from your future card sales. You pay more when business is strong, and less when it slows.
Yes. After you’ve repaid a portion of your existing advance (typically around 60%), you may be eligible for additional funding.

Ready to Get Started?

Access Clover Capital funding directly through your Sprocket Payments dashboard and give your business the capital it needs to grow — quickly, simply, and on your terms.
Contact Sprocket Payments