Clearco review: rates, terms and alternatives

Clearco vs Founderpath, product by product

Each cell summarizes what the provider publishes, not an offer or an independent audit: Clearco's homepage, pricing page and product pages, and Founderpath's merchant cash advance, revenue financing, term loan and overview pages.

Founderpath's revenue-based financing guide states $10K MRR entry guidance, while its product pages show $500K last-year revenue in a general eligibility block and product-specific targets above it. These are not one consistent minimum; confirm eligibility for the product you want.

How Clearco works in 2026

You connect at least one ecommerce sales platform, Clearco reviews your revenue across channels and shows an available funding capacity. You then choose how to deploy it, according to its Cash Advance and Invoice Funding pages, checked October 20, 2026:

• Cash Advance deposits funding into your business bank account for inventory, marketing or operations.
• Invoice Funding pays supplier invoices, purchase orders or vendor bills on your behalf.
• Fixed Funding Capacity is a set amount up to $10 million, drawn within a 30-day approval window.
• Rolling Funding Capacity refreshes as you repay, so you can draw again without reapplying.

Repayment is a weekly payment capped at a share of revenue that falls if sales slow, over an estimated term of 4-12 months. Clearco states this on its product pages, and Finder's review describes the same capped weekly structure. Clearco's current pages do not publish the cap percentage. This differs from how many older reviews describe Clearbanc, which collected a share of daily receivables; see the history below.

Clearco rates and fees

Clearco charges one flat fee instead of interest. Its pricing page states, as of October 2026, that typical fixed fees range from 3.5% to 12%, that the fee does not adjust automatically with performance, and that strong performance can support better rates on future approvals. Finder, updated October 15, 2026, lists a flat fee of 3.63% to 12.5%.

Because the fee is a fixed dollar amount, the annualized cost depends on how fast you repay. On our calculator's equal-monthly-payment model, a 12% fee repaid over 12 months works out to about 21.5% a year; the same fee repaid over 4 months, about 56.3%. Clearco says an eligible early payoff prorates the fee, which lowers the dollar cost, but it does not publish the proration formula.

Clearco's August 2024 blog post gave a sample Invoice Funding offer of 5% for 4 months, 6.25% for 5 months and 8% for 6 months, with weekly payments that would not exceed 30% of a week's revenue. It was an example from 2024, not a current rate card; terms now run up to 12 months.

Compare a Clearco quote with Founderpath

Who qualifies for Clearco

Clearco's homepage, checked October 20, 2026, says it is built for brands that sell directly to consumers online, have six or more months of consistent revenue above $100,000 a month, and are incorporated in the U.S. with an active U.S. business bank account. Its comparison pages turn away applicants below $100,000 in monthly revenue and offer to introduce them to another provider.

Older third-party reviews, including Finder and United Capital Source, still list a $10,000 monthly minimum. Clearco's own pages are the more current statement; ask Clearco which threshold applies to you.

Clearco's FAQ says it supports DTC ecommerce businesses. Software companies are not the audience it describes, so a SaaS founder should compare lenders that underwrite recurring revenue.

Clearco reviews

Clearco's Trustpilot profile showed 4.5 out of 5 from 362 reviews on October 20, 2026, close to the 4.5 from 361 that Finder recorded on October 15, 2026. Trustpilot notes that 18 of those reviews came in the last 12 months and that Clearco has not invited customers to review recently, so the score may not be representative.

Trustpilot reviews are individual experiences, not a substitute for reading the funding agreement. Read the reviews themselves rather than relying on the score.

From Clearbanc to Clearco

Clearco has changed its products, markets and leadership since the Clearbanc years, which is why older reviews describe terms that no longer match its website.

A 2021 Clearbanc revenue share agreement, filed on SEC EDGAR as an exhibit by kidpik corp, shows the earlier model: the business sold a specified amount of future receivables, delivered 12.5% of its receivables each day until that amount was paid, and spent the advance through an approved card or an invoice payment dashboard. Clearco's 2026 pages describe bank deposits and capped weekly payments instead.

Clearco alternatives for ecommerce brands

Each provider's figures below come from its own site, checked October 20, 2026. Confirm current terms before you apply.

On the searches founders run most: Shopify Capital collects a percentage of daily store sales, while Clearco collects capped weekly payments. Settle states working capital up to $15 million against Clearco's $10 million. Clearco publishes its own comparison pages against Settle, Shopify Capital and Wayflyer; they are a competitor's claims, so check each provider's own terms.

Founderpath vs Clearco

• A U.S. DTC ecommerce brand above $100,000 in monthly revenue that wants inventory or supplier funding repaid within a year is the business Clearco describes.
• A software company with recurring revenue can compare Founderpath revenue financing (fixed monthly payments over 12-36 months) or a term loan. Founderpath's term-loan page says most borrowers are above $3M in annual revenue, while its product overview says $1M+ ARR.
• A business with seasonal or uneven sales, including ecommerce below Clearco's threshold, can compare the Founderpath merchant cash advance of $25K-$1M, repaid from 5% of monthly sales.

Founderpath takes no equity, warrants or board seats on these products. Its revenue financing and merchant cash advance FAQs say there is no full personal guarantee and a lien on business assets, whereas Clearco says it takes no all-asset lien. Compare security terms line by line in each offer.