Clearco offers non-dilutive, revenue-based financing for ecommerce brands. See how funding works, fees, integrations, pros, cons, and who it's built for.
Clearco was founded in 2015 in Toronto by Andrew D'Souza and Michele Romanow as Clearbanc, rebranding to Clearco in 2021. The company built its business around a simple premise: ecommerce founders were routinely giving up equity to venture investors just to fund inventory and ad spend, expenses that are predictable and directly tied to revenue. Clearco replaced that model with revenue-based financing, advancing capital in exchange for a fixed fee and a share of future revenue rather than an ownership stake.
Since launch, Clearco has funded more than 10,000 ecommerce and consumer brands and deployed over $3 billion in capital. It underwrites deals by connecting directly to a company's sales, ad spend, and payment platforms, which lets it evaluate and approve funding requests far faster than a conventional bank loan process.
Clearco offers several funding structures: rolling funding capacity that renews as it's repaid, fixed funding capacity for one-time capital needs, cash advances, and invoice funding for businesses waiting on B2B receivables. Funding decisions are typically made within 24 hours once a business connects its sales and payment accounts.
The platform integrates with the ecommerce and payments tools most DTC brands already use, including Shopify, Amazon, BigCommerce, Square, Stripe, and PayPal, pulling transaction history automatically instead of requiring manual financial statements. Repayment scales with revenue, businesses pay more when sales are strong and less during slower periods, and early repayment can reduce the total fee owed.
Clearco does not use a subscription pricing model. Instead, it charges a flat fee on the capital advanced, calculated per offer based on the funding amount, the business's revenue history, and the agreed repayment terms, so there is no single published "starting price." Businesses see their specific fee and repayment terms only after connecting their sales data and receiving a funding offer.
Because pricing is individualized, prospective customers typically need to apply and link their store or payment accounts to get an exact quote. There are no setup fees, no equity given up, and no personal guarantees required, but the total cost of capital varies by deal.
Clearco is a revenue-based financing provider for ecommerce brands. Instead of a fixed-rate loan or line of credit underwritten on credit history, Clearco advances capital based on a business's actual sales data and collects repayment as a percentage of revenue until the advance plus a flat fee is repaid.
No. Clearco's financing is non-dilutive: it does not take equity, board seats, or require personal guarantees from founders.
Once a business connects its sales, payments, and ad accounts, Clearco can issue a funding decision in as little as 24 hours, though the exact timeline depends on the completeness of the data provided.
Clearco connects with major ecommerce and payments platforms including Shopify, Amazon, BigCommerce, Square, Stripe, and PayPal to evaluate revenue and underwrite funding offers.
Clearco charges a flat fee on the capital advanced rather than a traditional interest rate. The exact fee depends on the funding amount, revenue history, and repayment terms, and is only shown after a business applies and connects its data.
Clearco is designed for ecommerce and consumer brands with consistent, trackable online revenue that need capital for inventory, advertising, or working capital without giving up equity.