
Clearco is a Toronto-based fintech company founded in 2015 that provides non-dilutive, revenue-based funding to direct-to-consumer ecommerce and SaaS businesses. Having deployed over $3 billion to more than 10,000 brands, Clearco offers multiple flexible funding structures including Fixed Funding Capacity, Rolling Funding Capacity, Invoice Funding, and Cash Advance. The platform connects to a brand's sales and bank accounts to assess monthly revenue and calculate funding capacity, with approval typically within 24 hours. Clearco requires no personal guarantees, no blanket liens, and no equity dilution, making it an attractive alternative to traditional venture capital. Pricing is fixed, transparent, and performance-based, with improved rates as businesses grow and maintain strong repayment records.
* DTC ecommerce brands generating $100K+/month in recurring revenue * SaaS businesses with 12+ months of revenue history * Brands needing non-dilutive capital for inventory, ad spend, or supplier payments * Companies looking for flexible funding without personal guarantees or equity dilution
Non-dilutive: no equity given up, no personal guarantees required * Multiple funding structures (fixed, rolling, invoice, cash advance) for flexibility * Fast approval — typically funded within 24 hours * Performance-based pricing improves as you grow * Rolling funding auto-replenishes as you pay
Only available to US-incorporated businesses with US bank accounts * Requires 12+ months of recurring revenue at $100K+/month minimum * Funding capacity tied to revenue performance — volatile businesses may see fluctuating limits * Not suitable for pre-revenue or early-stage startups
Clearco is a leading non-dilutive capital provider built specifically for ecommerce and SaaS founders. Founded in 2015 in Toronto, the company has deployed over $3 billion to more than 10,000 businesses worldwide, making it one of the largest ecommerce investors globally.
The platform offers four distinct funding solutions designed to serve different business needs. Fixed Funding Capacity provides a predictable one-time capital amount ideal for product launches, seasonal pushes, and large vendor commitments. Rolling Funding Capacity automatically replenishes as businesses repay, creating a continuous capital source for ongoing operations. Invoice Funding covers vendor invoices directly, keeping production on track while preserving working capital. Cash Advance deposits funds directly into a business bank account for maximum deployment flexibility.
Clearco differentiates itself through its founder-friendly approach: no personal guarantees, no blanket liens, and no equity dilution. The company has notably funded 25 times more female founders than the average venture capital firm. Pricing is transparent and performance-based — strong repayment history unlocks better rates and higher funding capacity over time.
The platform requires businesses to have 12+ months of recurring revenue at $100,000+ per month, be US-incorporated, and maintain an active US business bank account. Applications are reviewed in as little as 24 hours with AI-supported underwriting.
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