Your Growth Should Determine Your Funding.
Not Your Provider.

Wayflyer often encourages you to take more funding than you need today. But the right funding decision isn't always the biggest one. As your business evolves, taking more funding than you need can reduce your flexibility to adapt when new opportunities arise.

Clearco helps you access the right amount of funding at the right time. With funding up to $10M, no all-asset liens, and ecommerce experts who understand how ecommerce businesses actually scale, Clearco helps you make funding decisions that support where your business is today, while preserving your flexibility for tomorrow.

Clearco Vs Wayflyer

Clearco vs. Wayflyer: Compare More Than Funding

Choosing a capital provider isn't just about how much capital you can access and how quickly. It's about whether today's decision gives you more flexibility, more control, and more growth moments tomorrow.
See how Clearco compares to Wayflyer across the factors that matter most as your business grows.

Wayflyer

Contract structure

Term loans or merchant cash advances

Revenue-based finance

Funding products

Fixed and Rolling

Fixed Funding + Rolling Funding

Deployment structures

Cash advance only

Cash Advance + Invoice Funding

Early payment

No prorated early payment benefit

Yes, with prorated fees

Funding capacity

Up to $20M

Up to $10M

Estimated term options

3–9 months

4-6 months

Collateral & guarantees

No personal guarantees, but can lien all banks accounts and accounts receivable

No personal guarantees or all-asset liens

Partnership style

Transactional; Optimized for maximizing initial customer funding

Strategic; Optimized for your growth

Capital stack flexibility

Often limits room for other capital providers

Designed to work alongside senior capital providers

Our Ecommerce Founders

See How Brands Invest In Their Growth

“What I didn’t know then is how important Clearco would continue to be to us in our future years, especially as we began to build out our retail channel and expand into several new countries”

— Dale Backus,

Founder and CEO, Oh Snap

How Oh Snap Meets High Demand

Discover More

Smiling man in a dark blue shirt with rolled-up sleeves and woman with blonde hair wearing a black blazer and blue pants sitting on a beige sofa with woven baskets on the table in front.

Fund What's Next—On Your Terms

Don't let today's funding decision become tomorrow's limitation. Access flexible funding that helps ecommerce operators fund the right opportunities at the right time, with the flexibility to keep growing as your business evolves.

FAQs

Answers to your Clearco vs. Wayflyer questions

How is Clearco different from Wayflyer?

Clearco is built around the reality of ecommerce operations and omnichannel growth, with flexible term options, early payment options, Invoice Funding, Cash Advance, and no personal guarantees or all-asset liens.

How are Clearco’s rates structured?

Our pricing is fixed, transparent, and predictable, with rates based on your business performance. As you grow and pay successfully, you can unlock better rates and more funding capacity without paying to access the platform or being charged for funding you haven’t drawn.

How does Clearco underwrite my business to determine my funding?

Unlike providers that evaluate only one sales channel, Clearco underwrites all your business revenue channels. By considering revenue across DTC, Shopify, Amazon, wholesale, retail, and other accounts, we can make funding decisions that reflect all the strengths of your business.

Can I pay early?

Yes. Clearco offers early payment options with prorated fees and no penalties that can help operators reduce funding costs.

What can I use funding for?

Inventory, supplier payments, marketing, seasonal demand, new product launches, wholesale and international expansion, and other growth-related needs.

Your Growth Should Determine Your Funding.Not Your Provider.