Clearco 🧾 Service

What you get

Clearco funds US ecommerce brands against their own sales data instead of taking equity. Its own site advertises "flexible, non-dilutive funding up to $10 million," offered as Fixed Funding Capacity, Rolling Funding Capacity, a Cash Advance or Invoice Funding, with estimated repayment terms of up to 12 months. Rates are not published; Clearco says they are based on business performance and can improve the more you repay successfully.

Who qualifies

Direct-to-consumer ecommerce brands in apparel, beauty, food and beverage, home and garden, health and wellness, or pets. You need at least six months of consistent revenue over $100,000 a month, a company incorporated in the US, and an active US business bank account.

Good to know

• You connect a sales platform (Shopify, Amazon, Stripe or PayPal) so Clearco can read your revenue and calculate how much it will fund; there is no pitch deck or cap table review.
• Approval is fast (the page says as little as 24 hours), which matters more for inventory and ad-spend timing than a traditional venture round would.
• Fees are not disclosed on the public site; get a written offer from a Growth Advisor before comparing it against a credit card, a bank line or Shopify Capital.
• This is financing you repay, not a grant or a perk; model the repayment into your cash flow before you take it.

Verdict

A reasonable way to fund inventory and ad spend without giving up equity, provided your margins can absorb the (undisclosed) cost of capital. Worth comparing against Highbeam, Shopify Capital and a line of credit from your own bank before signing.

1. Go to clear.co and start the "Fund Your Growth" application.
2. Connect at least one sales platform (Shopify, Amazon, Stripe or PayPal) so Clearco can calculate your funding capacity.
3. Choose a funding structure (Fixed Funding Capacity, Rolling Funding Capacity, Cash Advance or Invoice Funding).
4. Review your offer with a Growth Advisor and confirm fees before accepting.