Keep Growth Exciting, Not Punishing.
Shopify Capital takes a fixed percentage of your daily sales, so payments increase and your payback accelerates as your revenue grows. That can leave less cash available to keep stock from running out, increase ad spend, or prepare for your next opportunity.
Clearco is built differently. With flexible funding up to $10 million, capped weekly payments, no all-asset liens, and ecommerce experts who understand how businesses actually scale, Clearco helps you keep more control over your cash flow so your strongest days fuel growth instead of holding it back.
You’re not eligible at this time.
Shopify Capital
Payment structures
Uncapped daily payments
Predictable capped weekly payments
Collateral & guarantees
All-asset liens (except real estate)
No personal guarantees or all-asset liens
Early payment
No prorated early payment benefit
Yes, with prorated fees
Funding capacity
Up to $2 million
Up to $10 million
Estimated term options
Varies based on daily % of sales
4-12 months
Revenue channels
Looks only at Shopify platform revenue
Looks at all your omnichannel revenue streams, including wholesale and other sales channels
Partnership style
Self-serve & automatic; Optimized for repayment
Strategic & human; Optimized for your growth
Capital stack flexibility
Often limits room for other capital providers
Works 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 Shopify Capital questions
Yes. Shopify takes a fixed percentage of your daily sales, so the more you sell, the more cash leaves your business. That makes it harder to reinvest in inventory, marketing, and other growth opportunities when your business is performing at its best. And if your funding includes a fixed fee, repaying it more quickly means paying that same fee over a shorter period, which can result in a higher effective APR. In contrast, Clearco offers predictable, capped weekly payment structures designed to help ecommerce operators keep more cash available while maintaining greater visibility and control over their cash flow.
Yes. Clearco underwrites your entire ecommerce business, not just your Shopify sales. By considering wholesale, retail, Amazon, and other revenue channels, we can make funding decisions based on how your business actually grows and what will help you scale.
Yes. Shopify Capital is only available to eligible merchants, who receive an invitation from Shopify, which can leave growing brands waiting for access when they need funding most. With Clearco, eligible ecommerce operators can apply directly and explore funding options without waiting for an invite.
No. Unlike Shopify Capital, which takes a lien against all your assets except real estate, Clearco never takes an all-asset lien on your business. Combined with predictable payment structures and early payment flexibility, Clearco makes it easier to pursue future funding opportunities without unnecessary restrictions.
Clearco continues to generate funding offers as your business grows, so you don't have to wait until you've repaid a set portion of your funding before becoming eligible for another offer. With Shopify Capital, you often need to repay a portion of your current funding before you can apply for more.