Capital That Moves With You: A Founder’s Guide to Choosing Between Fixed and Rolling Funding

Not every growth moment looks the same, and your capital shouldn’t either. Some moves require bold, upfront certainty: launching a new product line, securing inventory for the holiday rush, or investing heavily in a one-time marketing surge. Others demand continuous access to liquidity as momentum builds. The ability to restock, reinvest, and keep your campaigns running while capitalizing on new opportunities without constantly reapplying for more funding.

That’s why Clearco offers two flexible funding structures designed for how founders actually operate: Fixed Funding and Rolling Funding. In this guide, we’ll break down when each structure fits best, how they work, and why more founders are using them together to unlock predictable, long-term growth.

Fixed Funding: The Power of One-Time Certainty

When your business needs to make a significant move, Fixed Funding delivers the confidence and clarity to act fast. It’s a single capital advance, a defined amount you can plan around from day one.

How it works

• One lump-sum advance designed for a major initiative or season.
• Clear payment schedule and end date.
• Once the cycle completes, you can reapply when the next major opportunity arises.

Best for

• Product launches or new category entries.
• Large inventory buys ahead of peak seasons.
• Big marketing pushes or partnership rollouts.

Founder reality

Many founders see Fixed as the go-to for a large upcoming opportunity or one-off initiative, but that’s only part of the story. Fixed Funding offers clarity and control when you need full visibility on your capital plan. It’s a strategic lever for confidence: you know your payment schedule, your funding amount, and your margin impact before you commit.

Example

When luxury footwear brand Larroudé needed to place a large inventory order ahead of a major retail launch, they turned to Clearco’s Fixed Funding. The one-time certainty allowed them to commit confidently to suppliers and capture demand without stressing cash flow.

“With Clearco’s Invoice Funding, we could pay suppliers fast, reduce production cycles from 120 days to 45, and move from idea to market in a matter of weeks. That’s unheard of in luxury footwear.”
— Ricardo Larroudé, Co-Founder, Larroudé

Rolling Funding: Capital That Scales With Your Momentum

For brands that never stop moving, Rolling Funding offers continuous access to working capital that replenishes automatically as you pay it down. Instead of treating funding like a one-time event, Rolling transforms it into a rhythm that grows with your business.

How it works

• Your available capacity reloads with every payment.
• No need to reapply or manage multiple tranches.
• Because your capacity replenishes as you pay it down, Rolling Funding can offer a lower effective cost of capital over time — you’re reusing capital, not reapplying for it.

Best for

• Ongoing ad spend or marketing cycles.
• Continuous inventory replenishment.
• Recurring bills or expenses.

Why founders love it

Rolling Funding removes the reapplication friction that slows down scaling brands. It gives founders predictable and flexible liquidity that allows them to reinvest proceeds instantly, keeping campaigns, inventory, and production flowing.

Example

When global connectivity brand SIMO needed to stay in stock during peak demand seasons like Black Friday and Cyber Monday, they turned to Clearco’s Rolling Funding Capacity. The ability to draw capital exactly when needed kept hardware orders moving, ad spend flowing, and inventory ready to meet surging demand.

“As a DTC brand, we cannot afford to be out of stock. If you run out on Amazon, you get penalized and it affects sales downstream.”
— Nick Dupont, CFO, SIMO

With Rolling Funding, SIMO could smooth cash flow between large production payments and incoming revenue, ensuring continuous growth without slowing down campaigns or waiting for new approvals.

“Without Rolling Funding, we would have been more conservative, and for us that would have meant missing revenue opportunities.”
— Nick Dupont, CFO, SIMO

How Founders Combine Both

The strongest capital strategy isn’t choosing one or the other. It’s knowing when to use each. Many brands like Retrofête start with Rolling to handle ongoing expenses, then switch to Fixed when they need extra firepower for a one-time push like a product launch or major inventory buy.

Why Founders Are Moving Toward Rolling Models

Modern founders want more than just access to capital. They want funding that moves as fast as their business.

Rolling Funding offers:

• Predictability: Capacity automatically grows with every repayment.
• Flexibility: Fund new opportunities without waiting for reapprovals.
• Efficiency: Amortized structure lowers effective APR over time.
• Foreseeability: A clear view of your available and used capacity at any moment.

As one Clearco founder put it:

“We used to treat funding like an event. Now it’s part of our rhythm. Rolling keeps our ad spend and inventory running without hitting pause.”

Choosing the Structure That Fits Your Moment

The right capital structure shouldn’t force trade-offs. Whether you’re planning a major launch or fueling steady growth, Clearco lets you choose, switch or combine models that fit your business today while keeping flexibility for tomorrow.

Clearco is the only growth  partner offering both Fixed and Rolling Funding Capacity, capital that moves with your business.