Clearco is a revenue-based funding provider for ecommerce brands, and as of November 2026 its own pages describe four options (Rolling Funding Capacity, Cash Advance, Fixed Funding Capacity and Invoice Funding), up to $10 million, estimated terms of 4 to 12 months and a minimum of $100,000 in monthly revenue. This review covers what each option is, what Clearco says about costs and repayment, who it says can apply and what the pages leave out. I write for Ecommerce Paradise, and the number that filters out most store owners is the revenue minimum, so I put it first.
This review is based only on Clearco’s public pages, which I read in November 2026, and on no hands-on use of the product. It is general information, not financial advice, and terms change, so check the provider before you decide anything. I cannot tell you whether you would qualify or on what terms. The links to Clearco below go straight to its own pages and are not affiliate links. Where a page did not show a number, I write “not shown”.
Clearco at a Glance (as of November 2026)
| Item | What Clearco’s pages say |
|---|---|
| Funding size | Up to $10 million in non-dilutive funding; minimum amount not shown |
| Options | Rolling Funding Capacity, Cash Advance, Fixed Funding Capacity, Invoice Funding |
| Estimated terms | 4 to 12 months |
| Repayment | Capped weekly payments, set as a share of revenue, that adjust if sales slow; cap percentage not shown |
| Fees | A flat fee, not interest; help center says fees start at 3.5% and vary by eligibility, performance, plan and term; main product pages show no rates or APR |
| Early repayment | Early Payment Option with prorated fees and no penalties, for eligible customers only |
| Eligibility | DTC ecommerce, 6+ months of revenue, over $100,000 USD per month, U.S. incorporation, U.S. business bank account, at least one connected sales platform |
| Security | No personal guarantees and no all-asset liens, per the product pages; the help center says a financing statement may be filed on future revenue |
| Review time | Applications typically reviewed in as little as 24 hours (homepage) |
| Platforms named | Amazon, Stripe, BigCommerce, Square, Shopify and PayPal |
Two rows deserve a second look. The fee row shows that the only number Clearco publishes is a starting point, and the eligibility row shows a revenue floor that is ten times the one I documented for another provider. Both are covered in their own sections below.
What Clearco Is and What Changed in 2026
Clearco describes itself as a provider of non-dilutive funding for ecommerce brands. Its funding overview says you connect your sales data, see a funding capacity and use the money for things like inventory, marketing and supplier payments. Its help center FAQ says it does not provide loans. It describes buying a portion of your future revenue for a flat fee, so you should read the agreement to see how your offer is structured.
The most recent company news on the site is an August 18, 2026 press release. It announces a $100 million asset-backed financing facility from Macquarie Group, which Clearco says is expected to support about $900 million in funding to ecommerce brands over two years. The release says qualified brands can receive up to $10 million, with estimated terms of 4 to 12 months, and describes larger amounts over longer terms than before. It also says Clearco has provided more than $3.3 billion to over 11,000 businesses, which is the company’s own statement and not something I verified independently.
The release does not state fees or detailed criteria. If you want the general mechanics behind this kind of product first, my guide to revenue-based financing for ecommerce explains how it works and compares providers.
The Four Funding Options
Clearco’s pages separate a funding structure (fixed or rolling) from a way of using the money (a cash advance or invoice funding). The overview page says you can combine them and that many businesses move between structures over time.
Rolling Funding Capacity
The Rolling Funding Capacity page describes ongoing access to capital. You are approved once, you connect at least one sales platform, and as you repay principal that amount becomes available again without a new application. Capacity can grow as the business performs. Payments are capped weekly, estimated terms are 4 to 12 months and fee rates are not shown.
Cash Advance
The Cash Advance page describes on-demand working capital deposited into your bank account in the amount you choose. Unused approved funding stays available. You pay one flat fee, the page does not state the amount, and weekly payments stay within a capped share of revenue. The FAQ lists inventory, supplier payments, marketing, operations, seasonal preparation and retail expansion as permitted uses.
Fixed Funding Capacity
The Fixed Funding Capacity page describes a dedicated amount, up to $10 million, for large planned investments such as inventory, wholesale expansion, product launches and peak-season preparation. The approved amount is available upfront, and you draw what you need within a 30-day window. Unused approval expires, and you can apply again later. The payment schedule is set from day one.
Invoice Funding
The Invoice Funding page describes paying supplier invoices directly, including suppliers, manufacturers and logistics partners, so you keep more cash on hand. You can submit supplier invoices, purchase orders or vendor bills. One section of the page says funds can go to your bank or straight to the supplier, while another says invoice funding pays suppliers and a cash advance goes to your account, so confirm which applies to you.
How Clearco Prices Its Funding
The product pages give no fee amounts, rates or APR. They say pricing is based on business performance and that better rates and higher capacity can be unlocked as you repay successfully. The one number I found is in the help center article Understanding our pricing, which says fees start at 3.5%, carry no periodic or compounding interest and will not increase during the plan. It says the actual fee depends on eligibility, business performance, the plan you choose and the estimated payment term, and that your exact fee and total repayment are shown before you accept an offer.
That article is written around invoice extension plans of 4 to 12 months, so I would not assume 3.5% describes every product. It also does not give a formula or an example. As of November 2026, the practical conclusion is that you cannot work out your cost from the public pages, and you should get the dollar fee and total repayment in writing.
Why a flat fee changes the math
A flat fee does not shrink if you repay faster, so the cost per month outstanding goes up when you repay quickly. These examples use my own assumed numbers to show the mechanics. They are not Clearco quotes, and the 6% fee in the second example is a hypothetical, not a rate Clearco states.
| Example | Advance | Flat fee | Total to repay | Weekly payment |
|---|---|---|---|---|
| A: 3.5% fee, 26 weeks | $50,000 | $1,750 | $51,750 | $1,990.38 |
| B: 3.5% fee, 52 weeks | $50,000 | $1,750 | $51,750 | $995.19 |
| C: hypothetical 6% fee, 52 weeks | $100,000 | $6,000 | $106,000 | $2,038.46 |
| D: hypothetical 6% fee, 26 weeks | $100,000 | $6,000 | $106,000 | $4,076.92 |
The arithmetic is simple to re-check. In example A, 3.5% of $50,000 is $1,750, the total is $51,750 and dividing by 26 weekly payments gives $1,990.38. In example C, 6% of $100,000 is $6,000, the total is $106,000 and dividing by 52 gives $2,038.46. Examples C and D carry the same $6,000 fee, but D collects it over about 6 months instead of 12, so the fee works out to $1,000 per month of term instead of $500. Real payments are also tied to revenue under Clearco’s capped structure, so actual weekly amounts may differ.
What a capped weekly payment means for cash flow
Clearco’s pages say weekly payments are capped as a share of revenue but do not show the percentage. To see why it matters, assume a store with $35,000 in weekly revenue, which is roughly $150,000 a month and above Clearco’s stated floor. Example C’s $2,038.46 weekly payment is about 5.8% of that revenue ($2,038.46 divided by $35,000). Example D’s $4,076.92 is about 11.6%. Whether either fits depends on your margins after product cost, shipping, ad spend and fees, which is exactly what the written offer and your own numbers should settle.
Repayment and the Early Payment Option
Clearco says repayment is a set of weekly payments over an estimated term of 4 to 12 months, kept within a capped share of revenue and adjusted if sales slow. The help center FAQ says the payment is debited automatically from your connected business bank account and can settle the same day or within 2 business days. The pages do not describe late payment or default terms, so ask for those before you sign.
Clearco’s pages say eligible customers can use an Early Payment Option with prorated fees and no penalties. The help article Understanding the Early Payment Option adds conditions. It says the agreement must have been entered into on or after October 5, 2026, you must have received an EPO Eligible Letter, and you must email a request at least three business days before your intended exercise date. A general request to pay off early does not count. The article does not explain how the fee is prorated, and it points to the EPO terms on Clearco’s legal pages. In practice, ask whether your offer includes the option before relying on it.
Eligibility as Stated
The funding overview and product pages list the requirements below, and the help center FAQ repeats the revenue floor.
- Business type: an ecommerce direct-to-consumer business, and the FAQ says it funds businesses that sell physical products online.
- Revenue and history: at least 6 months of consistent revenue, over $100,000 USD per month.
- Location: incorporated in the U.S. with an active U.S. business bank account.
- Data: at least one connected ecommerce sales platform, since revenue is used to calculate capacity. The platforms named are Amazon, Stripe, BigCommerce, Square, Shopify and PayPal.
Clearco’s comparison pages say businesses below the revenue threshold are told they are not eligible at this time and may be referred to a partner. Meeting the thresholds does not mean you will get an offer, and nothing on the pages gives approval odds. The requirement that the business be incorporated is worth noting if you have not formed an entity yet, and my business formation checklist is the place to start.
What about dropshipping stores?
The Clearco pages I loaded do not mention dropshipping either way. They describe DTC brands selling physical products and underwriting across all sales channels. Another provider I reviewed states in its help center that dropshippers are not supported, so I would not assume either answer for Clearco. If your store uses a dropship model, ask Clearco directly before connecting any accounts.
How Applying Works
The Fund Your Growth page is the entry point, and the funding pages describe the flow as connect a sales platform, see your available capacity once approved, draw or submit invoices and repay weekly. The homepage says applications are typically reviewed in as little as 24 hours. The help center has articles on completing an application, requesting a cash advance and submitting an invoice, and the FAQ says applying does not affect credit scores. The product pages do not list required documents, so ask which ones apply to you.
Clearco also runs a Working Capital Stress Test, a quiz of about three minutes that returns a profile and asks for contact details, including company name, website and whether monthly revenue is $100,000 or more. It is a lead form, the page states no price and its disclaimer says it is not financial advice, so treat the result as marketing and not as an assessment.
How Clearco Compares With Wayflyer and Shopify Capital
The closest alternatives for a store owner are another revenue-based provider and the platform financing built into Shopify. The table below uses each provider’s own pages as I read them in November 2026, so it is a snapshot of published figures and not a ranking.
| Item | Clearco | Wayflyer | Shopify Capital |
|---|---|---|---|
| Largest amount stated | $10 million | $20 million | $2 million |
| Stated fee | Starts at 3.5% (help center) | Typically 5% to 10% of the advance | Not shown on the Capital page |
| Revenue minimum | Over $100,000 per month | $10,000 average per month (US) | Based on Shopify sales data; 90 days selling |
| How you start | Apply and connect a platform | Apply and connect platforms | Invitation shown in Shopify admin |
| Repayment | Capped weekly payments | Revenue share or fixed amounts | Percentage of daily sales, up to 18 months |
Clearco publishes its own comparison pages against Wayflyer and Shopify Capital, which make claims about its rivals, such as early repayment benefits and lien terms. Those are marketing statements from one side, so I did not use them as facts about the other providers. For current Shopify terms, see Shopify’s own Capital page.
For the other two providers, my Wayflyer review covers the first. My Shopify Capital guide covers the second.
If your goal is lower-cost, longer-term financing and you can meet a lender’s standards, government-backed lending is a different category. The U.S. Small Business Administration’s loan programs page describes loans delivered by approved lenders, with programs such as 7(a), 504 and microloans of $50,000 or less. Those programs work differently from revenue-based funding, and my roundup of small business loan lenders compares the options.
Pros and Cons
What Clearco’s pages describe well
- Four named options that map to different needs: ongoing capacity, a one-time draw, a fixed schedule and supplier invoices.
- A flat fee with no interest, and a help center article that gives a starting figure of 3.5%.
- No personal guarantees and no all-asset liens, as stated on the product pages and the August 2026 release.
- Capped weekly payments that adjust if sales slow.
- An Early Payment Option with prorated fees for eligible customers.
What to weigh carefully
- The $100,000 monthly revenue minimum excludes most newer and smaller stores.
- The main pages show no fee rates, APR, cap percentage or minimum amounts, so you cannot compare cost before applying.
- The flat fee does not fall if you repay faster, and the Early Payment Option has conditions.
- The help center says a financing statement may be filed on your future revenue, which is different from having no filing at all.
- Some details differ across pages, such as where invoice funding money is sent.
- You give read access to sales data and a bank account for debits.
Who Clearco’s Pages Describe as the Target Customer
I cannot say whether Clearco is right for you, and nobody can without your numbers. The profile its pages point to is an established U.S. direct-to-consumer ecommerce brand selling physical products, with at least six months of consistent revenue above $100,000 a month, a U.S. bank account and a connected sales platform. The August 2026 release adds inventory commitments, wholesale and retail expansion and always-on marketing as example uses.
Who May Want to Look Elsewhere
- Stores under $100,000 a month: Clearco’s pages say you are not eligible at this time. A smaller provider, platform financing or trade credit may fit better, and my guide to net-30 vendors covers supplier credit for newer businesses.
- Brand-new stores: six months of consistent revenue is a minimum, so building a profile first, as I describe in how to build business credit for ecommerce, can open other options.
- Stores outside the U.S.: the stated requirement is U.S. incorporation and a U.S. bank account.
- Anyone who wants interest on a declining balance: a card or line of credit works differently, as I explain in business credit card vs. line of credit.
Questions to Ask Before You Connect Your Accounts
- Which product am I being offered, and is the structure a purchase of future revenue or a loan?
- What is the fee in dollars, the total repayment and the estimated term, and is the fee fixed once I accept?
- What is the cap on weekly payments as a share of revenue?
- Does my offer include the Early Payment Option, and what would I pay if I exercised it at month three?
- What is filed against my business or future revenue, and does anything else secure the funding?
- What happens if a debit fails or sales fall sharply, and what are the default terms?
- Which documents and data access are required, and does anything affect my credit?
- What is my plan for the money, and what is the expected return after the fee?
If you want a store with real sales behind it before you evaluate any financing, my done-for-you build service sets up the niche, suppliers and store so you can track actual performance. My guide to high-ticket dropshipping explains the model it is built around.
What the Pages Do Not Cover
A review is only as good as its sources, so here is what I could not find on the pages I loaded as of November 2026. None of this means the information does not exist, only that you should ask for it.
- Fee rates, APR and total cost for each product.
- The weekly payment cap percentage.
- Minimum and per-product funding amounts.
- Late payment and default terms.
- Required application documents and funding timelines after approval.
- How the Early Payment Option fee is prorated.
I also did not review independent customer reviews or regulatory records, so I am making no claim about customer satisfaction or complaints. If you want to check, read reviews on sites you trust, including the critical ones, and look at the lender disclosures in your agreement.
Common Mistakes With This Kind of Funding
- Comparing on the fee percentage alone. A 3.5% fee over 4 months and the same fee over 12 months are different costs per month outstanding, so compare total dollars and term.
- Ignoring the cap. Weekly payments take a share of revenue, which reduces cash for ads and inventory.
- Borrowing for untested spend. Money used on products or channels you have not proven can leave you owing more than the spend returned.
- Assuming early payoff is free. The flat fee is prorated only for eligible customers who follow the process.
- Skipping supplier terms. If your gap is paying suppliers, ask about terms first. My supplier guide explains how to vet them, and the high-ticket niches list helps you check margins before you commit to inventory.
Frequently Asked Questions
How much does Clearco cost?
Clearco’s product pages show no fee amounts or APR. Its help center says fees start at 3.5% and vary with eligibility, performance, plan and estimated term, and that your exact fee and total repayment are shown before you accept. As of November 2026, your written offer is the only number that matters, and this is not financial advice.
What is the minimum revenue to qualify for Clearco?
Its funding overview and FAQ state at least 6 months of consistent revenue and over $100,000 USD per month, with U.S. incorporation and a U.S. business bank account. Clearco’s comparison pages say businesses below the threshold may be referred to a partner. Terms change, so check the current page.
Does Clearco require a personal guarantee?
Its product pages and the August 2026 release say there are no personal guarantees and no all-asset liens. The help center says it may file a financing statement recording its interest in your future revenue. Read the agreement, because it governs your obligations.
How fast can I get Clearco funding?
The homepage says applications are typically reviewed in as little as 24 hours. The pages I loaded do not state how long it takes for money to arrive after approval, so ask Clearco and confirm the timeline in writing.
Can I repay Clearco early?
Clearco says eligible customers can use an Early Payment Option with prorated fees and no penalties. The help article says agreements entered into on or after October 5, 2026 are covered if you receive an eligibility letter and request it by email at least three business days ahead. It does not explain the proration, so ask for an example from your own offer.
My Take (Opinion, Not a Rating)
I am not giving Clearco a star rating or a score, because I have not used it and I am working from public materials only. My opinion from reading those materials is that Clearco is clear about its structure (four options, capped weekly payments, no personal guarantee) and about who it serves, which is established brands above $100,000 a month. It is less clear about cost, since the only published figure is a 3.5% starting point in a help article. If you fit the profile, the sensible steps are to request written terms, model the weekly payment at several sales levels and compare the offer against at least one option that is not a revenue share.
Related Articles
If you are weighing funding options for your store, these guides go deeper on the pieces around this topic:
- Revenue-Based Financing for Ecommerce 2026: How It Works, Costs and Alternatives
- Wayflyer Review 2026: Costs, Eligibility and Who It Fits
- Shopify Capital Explained: How It Works, What It Costs, and When to Use It in 2026
- Best Small Business Loans in 2026: Top Lenders for Every Stage and Use Case
- Best Business Credit Cards for Ecommerce Businesses in 2026
Trevor Fenner is an ecommerce entrepreneur and world traveler from Seattle, Washington, and the founder of Ecommerce Paradise, a platform focused on helping entrepreneurs build and scale profitable high-ticket ecommerce and dropshipping businesses. With over a decade of hands-on experience, Trevor specializes in high-ticket dropshipping strategy, niche and product selection, supplier recruiting and onboarding, Google & Bing Shopping ads, ecommerce SEO, and systems-driven automation and scaling. Through Ecommerce Paradise, he provides free education via in-depth guides like How to Start High-Ticket Dropshipping, advanced training through the High-Ticket Dropshipping Masterclass, and fully done-for-you turnkey ecommerce services for entrepreneurs who want a faster, more hands-off path to growth. Trevor is known for emphasizing sustainable, real-world ecommerce models over hype-driven tactics, helping store owners build scalable, sellable, and location-independent brands.
He maintains homes in Seattle and Bali, spends most of the year overseas, and usually returns to Seattle for about a month each summer.
