Clearco funding helps established ecommerce brands pay for inventory, supplier bills, and growth without selling ownership. Clearco advertises no personal guarantees or all-asset liens. The trade-off is a flat fee and weekly payments that must fit your cash flow.
It can work when you know the product sells and need cash before customers pay you. It is a weaker fit for thin margins, ongoing losses, or projects that need years to pay off.
My first question would be simple: will the cash from customers arrive before the weekly payments strain the business?
Clearco Funding at a Glance
| Feature | What to know |
|---|---|
| Best fit | Established direct-to-consumer ecommerce brands |
| Funding capacity | Advertised up to $10 million; approval varies |
| Estimated term | 4 to 12 months |
| Typical flat fee | 3.5% to 12%, according to Clearco |
| Payments | Weekly, with a revenue cap under the agreement |
| Basic eligibility | About $100,000+ monthly revenue, 6+ months in business, U.S. incorporation and business bank account |
| Ownership and guarantees | No equity sold; Clearco advertises no personal guarantees or all-asset liens |
Sources: Clearco eligibility and funding capacity
How Clearco Works
Clearco separates two choices: how you receive funding and whether your capacity refills as you repay.
Cash Advance deposits money into your business bank account. You can use it for inventory, marketing, operations, and other business needs. Invoice Funding covers eligible supplier invoices through Clearco. It helps with bills your business owes, rather than collecting invoices your customers owe you.
Fixed Funding Capacity provides a set amount for a planned need, such as a large inventory order. Rolling Funding Capacity replenishes as you repay principal. Clearco says you can reuse that capacity without a new application during the guaranteed period. Check how long that period lasts and what conditions apply.
Reusing capacity can help with repeat orders. It can also add another payment before the last advance is gone. Ask for the total weekly payment across every draw.
Rolling Funding Capacity details
Who Can Qualify
Clearco targets brands that sell directly to consumers online. Its current product overview lists at least six months of operating history, $100,000 or more in monthly revenue, U.S. incorporation, and an active U.S. business bank account. Its homepage says more than $100,000 per month, so confirm eligibility if you are right at that threshold.
Clearco reviews connected sales data. Meeting the starting criteria does not guarantee approval or a specific amount. If you sell through both your own website and wholesale channels, ask how each counts toward eligibility.
This is funding for a business with sales history. A new store with no sales should look elsewhere.
Clearco Fees and the Real Cost
Clearco publishes a typical flat-fee range of 3.5% to 12%. Your offer depends on the business and selected terms. Pricing was checked on October 17, 2026.
A flat fee is not an annual percentage rate, or APR. A 6.25% fee on $100,000 costs $6,250. But if you repay along the way, you do not have the full $100,000 for the whole term.
Here is a hypothetical comparison that keeps the advance and fee the same. Each row assumes $100,000 received upfront, a $6,250 fee, and equal payments at the end of each month. These are our calculations, not Clearco offers.
| Payback period | Monthly payment | Annualized cost* |
|---|---|---|
| 4 months | $26,562.50 | 29.6% |
| 5 months | $21,250.00 | 24.7% |
| 6 months | $17,708.33 | 21.1% |
*Monthly cash-flow rate multiplied by 12, without annual compounding. Assumes no other fees or early-payoff discount. Actual Clearco payments are weekly and can vary with revenue. This comparison is not a regulatory APR disclosure.
With the same fee, less time to repay means a higher annualized cost. If early repayment reduces the fee, use the actual payoff quote to recalculate the cost.
Clearco offers eligible businesses prorated fees and no penalty for early payment. Get the eligibility rules and payoff math in writing before counting on that saving.
Clearco early-payment terms for Cash Advance
Can the Funded Sales Cover the Fee
Suppose the extra sales leave a 30% contribution margin before financing costs. That means 30 cents of each sales dollar remains after product costs, shipping, payment fees, returns, and added ad spending.
To cover a $6,250 funding fee, you need about $20,833 in extra sales: $6,250 ÷ 30% = $20,833.
That only covers the fee. It does not show whether you can return the $100,000 advance on schedule or pay rent, salaries, and other fixed costs.
Build a weekly cash forecast before you accept. Include supplier deposits, shipping delays, refunds, platform payouts, and all existing debt payments. Then test slower sales. An order can make a profit and still leave you short of cash on payment day.
What Happens When Sales Slow
Clearco describes capped weekly payments. Its Invoice Funding explanation says the weekly payment is the lower of the scheduled payment or 30% of weekly revenue.
For example, if the scheduled payment is $5,000 and weekly revenue falls to $10,000, a 30% cap would limit that payment to $3,000. The remaining obligation does not disappear. Ask how the shortfall changes the schedule.
That cap uses revenue, not profit. At a 30% contribution margin, paying 30% of revenue could use all the contribution dollars before fixed costs. Downside protection does not mean the payment is affordable.
Clearco explanation of the weekly revenue cap
Confirm the revenue definition, first debit date, and process for reducing a payment. Also ask whether the cap applies across all your advances or separately to each one.
Personal Guarantees and Business Assets
Clearco advertises no personal guarantees and no all-asset liens. A personal guarantee makes an owner responsible for the business obligation. An all-asset lien gives a provider rights over a broad set of business assets.
Those are separate issues. Ask whether your agreement includes a UCC filing, which records a claimed interest in business property or receivables. Confirm what it covers, when it is released, and whether your current lender must consent.
Read the default rules and any exceptions to the no-guarantee language. The marketing page cannot answer every question about your contract.
How to Apply
- Create an account and connect the requested ecommerce sales accounts.
- Provide bank data and any requested business and identity documents.
- Review your funding capacity, fee, total repayment, and weekly schedule.
- Choose the funding structure and how you will use it, then sign only if the payments fit your forecast.
Clearco says most founders receive funding within 24 to 48 hours after approval. That is not a promise of cash within two days of starting an application. Missing records and incomplete connections can add time.
When Clearco Is Worth Considering
Clearco is worth comparing when you have proven demand, enough margin to absorb the fee, and a short gap between paying suppliers and collecting sales. Restocking a product with a sales record is easier to forecast than launching an untested one.
Compare a bank line of credit if you qualify. Ask each provider for an offer covering the same amount and use of funds, then compare the dollar cost, payments, guarantees, and access to future draws.
For help choosing a structure, read Term loan vs line of credit
A project that takes years to produce cash needs funding that matches that timeline. Repeated advances to cover old payments are a sign to revisit the business plan.
Questions to Ask Before Signing
- How much cash will I receive, and how much will I repay in total?
- What is the weekly payment, when does it start, and how does the revenue cap work?
- What happens to the balance and schedule if sales fall?
- How much would I save by paying early on a specific date?
- Are there any UCC filings, default obligations, or restrictions on other financing?
- What will I pay each week across all draws, and when can access to new draws end?
Get the written offer, compare at least one alternative, and run both through your weekly cash forecast. Choose the amount your business can carry when sales fall short.
This review is based on Clearco’s public materials, not a personal borrowing experience. Offers and eligibility depend on the business and agreement.