From Passive Funders to Growth Partners: The New Standard for Ecommerce Capital

Clearco is not just another funding source. We built this category. We created the first merchant cash advance (MCA) designed for D2C ecommerce. We were the first to launch fixed-capacity funding. And we are still the only provider with rolling capacity funding, a product that redefines cash flow management for founders.

Every step, Clearco has set the pace while others followed. Innovation isn’t a tagline for us, it’s the reason tens of thousands of founders trust us to keep them ahead. With both invoice funding and cash advance funding, we give brands complete control: the ability to plan vendor payments months in advance and still move fast when opportunity strikes.

Clearco doesn’t play catch-up. We set the standard.

The Problem With Rigid Funders

Competitors haven’t kept pace. Their rigid products may work in the earliest stages but quickly collapse under the weight of real growth.

Shopify Capital: An uncapped merchant cash advance that scales costs against the founder instead of with them. Outdated and expensive.

Wayflyer: Is cash in-cank only. No invoice funding. That leaves founders exposed when vendor terms collide with growth cycles.

Settle: Invoice funding only. No cash in-bank. Worse, tranche availability is uncertain, leaving founders guessing instead of scaling.

These aren’t growth tools. They’re stopgaps. And in today’s ecommerce market, stopgaps turn into handcuffs.

Founder-First Funding Models

Clearco is the only partner offering both the products and the delivery methods ecommerce founders actually need:

Products

• Rolling Capacity Funding: A game-changing innovation. Every repayment instantly restores capacity, creating permanent access to working capital. No other provider comes close.
• Fixed Capacity Funding: Predictable, reliable funding for high-volume moments like Black Friday, holiday peaks, or major launches.

Delivery

• Invoice Funding: Schedule and pay invoices far in advance, strengthening vendor relationships and smoothing operations.
• Cash Advance Funding: Immediate capital in the bank, ready to deploy wherever speed matters most.

We give customers the ability to mix and match to meet all their business needs. This is why Clearco works not just for a single transaction, but for the entire growth journey.

Capital Plus Clarity

Capital is table stakes. Insight is what changes outcomes.

Clearco has funded over 10,000+ ecommerce brands, giving us a live pulse on category trends, seasonal cycles, and market benchmarks. We turn that into practical guidance so our founders can:

• Anticipate cash crunches before they happen
• Hit seasonal peaks at full strength
• Avoid costly mistakes competitors still make
  

That’s why, when most funders pulled back during tariff uncertainty, we leaned in. By advising founders on how to navigate shifting trade conditions, we helped them maximize returns in one of the most turbulent periods for ecommerce, drawing on insights from our analysis of the 90-day tariff suspension.

Clearco combines data at scale with founder-first innovation. The result is a partner that not only provides capital but helps founders win with it.

The Capital You Need. The Insight You Deserve.

The era of passive funders is over. Ecommerce brands don’t just need capital; they need partners who understand the terrain, adapt to their needs, and innovate ahead of the market.

Clearco is the only ecommerce growth partner built for that reality. Flexible funding, unmatched insight, and a track record of pioneering every major innovation in this space.

We don’t just fund growth. We make it possible.