As the SIMO scaled its DTC portable mobile hotspots business, Clearco’s Rolling Funding Capacity gave the team the flexibility to keep inventory in stock, invest ahead of peak demand, and maintain strong cash flow without slowing growth.

— Nick Dupont,
The Challenge
Staying In Stock During Peak Season Without Cash Flow Issues
For SIMO, inventory availability is directly tied to growth. Running out of stock during major shopping events like Black Friday and Cyber Monday doesn't just mean lost sales. It can also hurt Amazon rankings, reduce product visibility, and create lasting impacts on future revenue.
At the same time, inventory purchases and marketing investments had to be made weeks before revenue arrived. Traditional financing options, including bank loans and accounts receivable (AR) facilities, were often too slow, inflexible, or burdensome for the pace of an ecommerce business.
“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,” explains Nick Dupont, CFO of SIMO.
The Solution
Rolling Funding Built For Ecommerce Realities
SIMO leveraged Clearco’s Rolling Funding Capacity to better align funding with the rhythm of the business.
Instead of applying for new financing every time capital was needed, the team could draw exactly the amount required when they needed it and, once they made their payments, available capacity replenishes without Nick’s team needing to reapply.
This gave SIMO the flexibility to respond quickly to inventory needs, marketing opportunities, and temporary cash flow fluctuations without interrupting operations.
“It alleviated the need to plan too much,” says Nick. “If a big payment is coming up or revenue looks soft, I can smooth things out for two weeks or two months.”
SIMO tested Shopify Capital and PayPal loans, and evaluated AR and traditional bank lines. Clearco’s Rolling Funding Capacity stood out for them because it supported several key areas of the business:
- Purchasing inventory early enough to meet seasonal demand
- Ramping creative and ad spend ahead of major sales events
- Smoothing large cash outflows when revenue timing shifts
- Keeping financing separate from payment gateways for simpler accounting and investor reporting
“[Clearco’s] dashboard is intuitive, contracts are easy to sign, and I can choose how much I want, whenever I want,” says Nick.
The Results
Preserved Cash Flow While Funding Inventory And Marketing
With flexible access to capital, SIMO maintained inventory availability during peak sales periods, helping them avoid costly stockouts, and protect future revenue. By ensuring products remained in stock during Black Friday and Cyber Monday, the company avoided Amazon algorithm penalties while capturing valuable seasonal demand.
The funding also strengthened SIMO's financial flexibility. Rather than carrying unnecessary cash reserves or delaying investments, the team could confidently fund inventory purchases and marketing campaigns as opportunities arose.
“We don’t always need Clearco, but knowing you’re here, and using you when we need, supports our growth plans,” says Nick.

.webp)
