Clearco Review & Pricing (2026)

Clearco

Funding & Payments

Clearco provides non-dilutive working capital to United States incorporated ecommerce and SaaS businesses, either wired to the business bank account as a cash advance or paid directly to suppliers as invoice funding. Capital is repaid as a fixed percentage fee in capped weekly payments over a term the business selects, with no interest and no prepayment penalty. Businesses connect sales and bank accounts, including Amazon, Shopify, Stripe, BigCommerce, Square and PayPal, and Clearco sizes funding capacity from that revenue data.

For Amazon sellers, Clearco is used for inventory purchases, supplier payments and advertising, and it underwrites on connected revenue across channels rather than a single platform. The company operates a fixed funding capacity and a rolling capacity, the latter replenishing as payments are made. Eligibility is narrower than some alternatives: the business must be incorporated in the United States, have at least twelve months of consistent revenue above a published monthly threshold, and run a direct to consumer ecommerce or SaaS model.

Capabilities
Cash Advance
Capital deposited into the business bank account with no restriction on how it is spent.
Invoice Funding
Clearco pays supplier invoices directly so production continues without drawing on cash reserves.
Fixed Funding Capacity
A one-time amount of capital with an estimated payment schedule set upfront.
Rolling Funding Capacity
Capacity that replenishes as payments are made, without reapplying each time.
Capped Weekly Payments
Repayment is a capped dollar amount on a weekly schedule rather than an uncapped share of daily revenue.
Selectable Terms
Businesses choose a four, five or six month repayment term.
Early Repayment
Balances can be paid in full early with no penalty, which can refresh available capacity.
Revenue Account Connections
Underwrites on connected Amazon, Shopify, Stripe, BigCommerce, Square and PayPal data.
Strengths
Publishes a fee range rather than quoting privately only, listing typical fixed fees of 3.5% to 12%.
Takes no personal guarantees and no blanket liens, filing a security interest in the purchased future receivables instead.
Offers both cash advance and invoice funding through the same provider.
Underwrites on revenue connected across several platforms rather than a single sales channel.
Allows early repayment at any time with no penalty, which can unlock additional capacity.
States funding is delivered in as little as 24 to 48 hours after approval.
Publishes cumulative figures of around 3 billion dollars deployed across more than 10,000 brands.
Considerations
Available only to businesses incorporated in the United States with an active United States business bank account.
Requires at least twelve months of consistent revenue above a published monthly threshold, which excludes newer sellers.
Positioned for direct to consumer ecommerce and SaaS businesses, so Amazon-only resellers should confirm eligibility directly.
The specific fee is not published; only a range is given, and an individual rate requires connecting accounts and a consultation.
Two published fee figures differ between pages of the site, so teams should confirm terms in writing.
Structurally this is a purchase of future receivables rather than a loan, which carries different legal and accounting treatment.
Clearco completed a recapitalisation and relaunched its platform in September 2025 after a period of restructuring, and some site copy still references earlier figures.
Terms are limited to four, five or six months, so this is short-term working capital.
Pricing
Fixed fee, typically 3.5% to 12% of the amount funded
Not applicable; free consultation and no application fee
Visit website
CategoryFunding & Payments
TypeHybrid
Pricing modelFlat fee
MarketplacesAmazon, Shopify, BigCommerce, Square, Stripe, PayPal
Best forUS DTC brands already at scale

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