Clearco

What Clearco does for Shopify brands

• ●Flat-fee advance replaces mca, credit card & short-term loan financing at a lower effective rate
• ●Annual savings = rate spread vs next-best non-dilutive option, applied to working capital deployed
• ●No equity, no personal guarantee, no collateral required
• ●Capped weekly payments scale with revenue, not fixed monthly debt service

Overview

Clearco provides non-dilutive, revenue-based funding of up to $10 million to direct-to-consumer ecommerce brands, with estimated payment terms of up to 12 months. Merchants use it to pay for inventory, suppliers, marketing, large purchase orders and expansion into wholesale and retail. It addresses the gap between paying for stock and getting paid by customers.

For Shopify brands

• ●Pay supplier invoices directly through Invoice Funding, so vendors are paid on time while the brand keeps its cash.
• ●Draw a Cash Advance sent to your account to use on inventory, campaigns, talent or new products.
• ●Switch between Invoice Funding and Cash Advance, or use both, with weekly payments and no personal guarantee or collateral.

How it works

The brand connects at least one ecommerce sales platform, and Clearco uses monthly revenue to calculate funding capacity. The brand then chooses Fixed Funding Capacity or Rolling Funding Capacity. Applications are typically reviewed in as little as 24 hours, and approved funds are deployed through Cash Advance or Invoice Funding.

Built for

Direct-to-consumer brands that sell online, have 6+ months of consistent revenue above $100,000 USD per month, are incorporated in the U.S. and have an active U.S. business bank account, including apparel, beauty, food and beverage, home and garden, health and wellness, and pet brands.

Pricing

Rates are based on business performance, with funding up to $10 million. No specific rates or fees are listed.

Products

• ●Rolling Funding Capacity Each payment replenishes available funding capacity, so merchants can access more capital without reapplying.
• ●Fixed Funding Capacity Funding with a predictable payment schedule.
• ●Cash Advance On-demand working capital that merchants can deploy from approved funds.
• ●Invoice Funding Funds that merchants can use to pay vendors.

Integrations

Buyer notes

• Applicants connect at least one ecommerce sales platform; monthly revenue is used to calculate funding capacity.
• Applications are typically reviewed in as little as 24 hours.
• Clearco states it takes no personal guarantee, no blanket or all-asset lien, and no equity.
• Estimated payment terms are up to 12 months; applicants must be U.S.-incorporated.

From Clearco's own site and Shopify App Store listings, as of 2026-10-30.