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. 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 $10 million, 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.
You’re not eligible at this time.
Wayflyer
Contract structure
Term loans or merchant cash advances
Revenue-based finance
Early payment
No prorated early payment benefit
Yes, with prorated fees
Funding capacity
Up to $20 million
Up to $10 million
Estimated term options
3–9 months
4-12 months
Collateral & guarantees
No personal guarantees, but can lien all bank 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
Clearco Helps You With What Comes Next
Growth comes with enough tough decisions. Your funding provider shouldn't be one of them. Clearco helps ecommerce operators stay ready for what's next with funding built around the realities of how ecommerce businesses actually scale, so you can keep growing without unnecessary constraints.
Only Clearco combines early payment flexibility, no all-asset liens, and both Fixed and Rolling Funding structures, giving you more control over how you meet your goals.
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Answers to your Clearco vs. Wayflyer questions
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.
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.
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.
Yes, if you're eligible. Clearco offers early payment options with prorated fees and no penalties that can help operators reduce funding costs.
Inventory, supplier payments, marketing, seasonal demand, new product launches, wholesale and international expansion, and other growth-related needs.