Lender profile

Clearco

Direct funder Checked Sep 30, 2026
Clearco funds U.S.-incorporated e-commerce brands that sell direct to consumers, paying supplier invoices or advancing cash in exchange for a portion of future revenue. Each advance carries a flat fee starting at 3.5% and is repaid weekly over 4 to 12 months.
Heads up. Funding is limited to direct-to-consumer e-commerce businesses with 6+ months of revenue above $100,000 a month. Brick-and-mortar, wholesale and dropshipping businesses are among the excluded types.

The open book

What Clearco publishes, and what it doesn't

8 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
Up to $10M
Minimum credit score
Not published
Minimum time in business
6 months
Minimum monthly revenue
$100,000
Speed, in its words
0-2 business days after the selected due date (Cash Advance)

The ledger

  • Funding amounts
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Price (rate or factor)
  • Fees
  • Term length
  • Excluded industries
  • Minimum credit score Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Clearco's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.

Revenue-based financing

How revenue-based financing works
Price published
Amounts
Up to $10M
Price
Fee from 3.5% (flat fee on the advance)
Term
4–12 months
Repayment
Weekly
Minimums
Credit n/p · Time in business 6 months · Revenue $100K/mo
Speed
Typically 0-2 business days after the selected due date
Fees
A flat fee on each advance, starting at 3.5% and varying with eligibility, business performance, the Extension Plan and the estimated payment term; no periodic or compounding interest. An Early Payment Option offers prorated fees and no penalties.
Industries excluded
Travel / Event Operators (anything directly related to airports/airlines), Professional Services - Media/Agency/Digital Consultancies/Marketing Services (Exemptions can be made for those professional services at scale operating in multiple cities), Paraphernalia, including Adult entertainment and adult services, Cannabis Products, Vaping Products, Wholesale, Dropshipping, One-time services / Non-Scalable, Capital Provider, Brick and Mortar, Gambling & Lottery Industries, Narcotics/Illegal Substances/Illicit Activities, Weapons or firearms (including parts, accessories, and ammunition), Hatred Products, Tobacco Products, Pyramid Schemes, Marketplaces including Pawn Shops, Auction websites, Spiritual services / online confessionals / psychics, Crypto and Crowdfunding, Financial products, Real Estate, and Auto dealers, Political organizations, charities, non-profit, and co-op organizations
Collateral
Not required
Personal guarantee
Not required
Sources (19)
  • Clearco offers flexible, non-dilutive funding up to $10 million and estimated payment terms up to 12 months
    clear.co · checked 2026-09-30
  • Clearco charges a flat fee on funding advances. Fees start at 3.5% and vary based on factors including eligibility, your business's performance
    help.clear.co/s/article/Clearco-FAQ · checked 2026-09-30
  • Clearco charges a flat fee on funding advances. Fees start at 3.5% and vary based on factors including eligibility, your business's performance
    help.clear.co/s/article/Clearco-FAQ · checked 2026-09-30
  • Clearco charges a flat fee on funding advances. Fees start at 3.5% and vary based on factors including eligibility, your business's performance
    help.clear.co/s/article/Clearco-FAQ · checked 2026-09-30
  • Clearco fees have no periodic or compounding interest.
    help.clear.co/s/article/Understanding-our-pricing · checked 2026-09-30
  • Yes. You may qualify for Clearco's Early Payment Option, which offers prorated fees and no penalties
    clear.co/ecommerce-funding · checked 2026-09-30
  • Clearco provides founders with the opportunity to fund invoices and manage cash flow by extending invoices to be paid over 4-12 months, with a fixed fee, on a weekly cadence.
    help.clear.co/s/article/Understanding-our-pricing · checked 2026-09-30
  • Clearco provides founders with the opportunity to fund invoices and manage cash flow by extending invoices to be paid over 4-12 months, with a fixed fee, on a weekly cadence.
    help.clear.co/s/article/Understanding-our-pricing · checked 2026-09-30
  • Clearco provides founders with the opportunity to fund invoices and manage cash flow by extending invoices to be paid over 4-12 months, with a fixed fee, on a weekly cadence.
    help.clear.co/s/article/Understanding-our-pricing · checked 2026-09-30
  • Set your estimated term (4-12 month options), pay a weekly capped amount
    clear.co/ecommerce-funding · checked 2026-09-30
  • Set your estimated term (4-12 month options), pay a weekly capped amount
    clear.co/ecommerce-funding · checked 2026-09-30
  • Clearco provides funding for eligible ecommerce DTC businesses with at least 6 months of operating history, $100,000+ USD in monthly revenue
    clear.co/ecommerce-funding · checked 2026-09-30
  • Clearco provides funding for eligible ecommerce DTC businesses with at least 6 months of operating history, $100,000+ USD in monthly revenue
    clear.co/ecommerce-funding · checked 2026-09-30
  • Clearco is the only capital partner that never takes collateral or an all-asset lien on your business.
    clear.co · checked 2026-09-30
  • Does Clearco require blanket liens or a personal guarantee? No.
    clear.co · checked 2026-09-30
  • "Cannabis Products"; "Wholesale"; "Dropshipping"; "Brick and Mortar"; "Gambling & Lottery Industries"; "Crypto and Crowdfunding"
    help.clear.co/s/article/Invoice-Funding-Eligibility-Requirements · checked 2026-09-30
  • Funds are typically sent within 0-2 business days of the selected due date.
    help.clear.co/s/article/How-to-apply-for-a-Cash-Advance · checked 2026-09-30
  • Your application will typically be reviewed in as little as 24 hours.
    clear.co · checked 2026-09-30
  • Once you have completed the sign-up process and uploaded your first invoice, you will be notified of your application status in as little as 1-2 business days.
    help.clear.co/s/article/Invoice-Funding-Eligibility-Requirements · checked 2026-09-30

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