Clearco Alternatives: Ecommerce Funding Compared (2026)

Last updated: November 2026

The right Clearco alternative usually depends on your monthly revenue. Clearco is built for U.S. direct-to-consumer ecommerce brands with 6+ months of consistent revenue above $100,000 a month. Smaller brands should compare Wayflyer, which asks for $10,000 a month in sales, and the financing offered inside the platforms they already sell on: Shopify Capital, PayPal Working Capital, Square Loans and Stripe Capital. If you sell wholesale or run a services business, Wayflyer also funds those models. If you need a reusable line or a term longer than 12 months, compare the Bluevine and American Express lines of credit or a term loan. Each option is compared below, checked in November 2026.

What Clearco offers (checked November 2026)

Clearco (Clear Finance Technology Corporation) provides non-dilutive funding to ecommerce brands. It says it has invested more than $3 billion in over 10,000 businesses.

• Amount and term: funding up to $10 million, with estimated payment terms up to 12 months.
• Eligibility: brands that sell directly to consumers online, have 6+ months of consistent revenue above $100,000 a month, and are incorporated in the U.S. with an active U.S. business bank account.
• Structures: Fixed Funding Capacity (a set payment schedule) or Rolling Funding Capacity (each payment frees up capacity again), deployed as a Cash Advance or as Invoice Funding to pay suppliers.
• Collateral: Clearco says it does not take blanket or all-asset liens and can work alongside senior lenders.
• Underwriting: you connect at least one sales platform (it lists Shopify, Amazon, BigCommerce, Square, Stripe and PayPal), and Clearco uses monthly revenue to set capacity. Reviews typically take as little as 24 hours.
• Cost: rates are based on business performance and are not published as a range on its homepage.

For a U.S. DTC brand above $100,000 a month that wants to fund inventory without a blanket lien, Clearco is a focused option. The alternatives below are for brands outside that profile or wanting a different structure.

Who should look beyond Clearco

• Revenue under $100,000 a month. Wayflyer asks for $10,000 a month in sales; platform programs such as Shopify Capital and PayPal Working Capital size offers on your sales history there.
• Wholesale, retail or services revenue. Clearco focuses on DTC ecommerce. Wayflyer lists wholesalers, retailers, software and services businesses, and bank-statement lenders look at all deposits regardless of channel.
• Need more than 12 months. Online term loans run up to about 24 months, some lenders go to 60, and SBA working capital loans up to 10 years.
• Want a reusable line for ad spend and restocks. The Bluevine and American Express lines let you draw as needed, and Clearco's rolling option is one route to compare with them.
• Most of your sales run through one platform. That platform's own program may already have an offer waiting for you.

Clearco alternatives compared

Option	Published amount	Who it is for	How you repay	Best fit
Wayflyer	$10,000 to $20 million	6+ months trading, $10,000+ monthly sales, incorporated in a supported country	Fixed installments or a percentage of revenue, bi-weekly or monthly	Smaller brands and multichannel sellers
Shopify Capital	Up to $2 million	Selling on Shopify for 90+ days; offers by invitation	A share of Shopify sales	Brands selling mainly on Shopify
PayPal Working Capital	$1,000 to $250,000 (up to $400,000 for repeat borrowers)	PayPal Business or Premier account 90+ days; $15,000 or $20,000+ annual PayPal sales	A share of PayPal sales	Sellers with heavy PayPal volume
Square Loans	Offers from $100 to $500,000	Processing with Square; offers by invitation	A share of Square sales	Brands with in-person or Square online sales
Stripe Capital	Based on Stripe volume	At least 3 months of processing history on Stripe	A share of Stripe sales	Brands processing through Stripe
Bluevine Line of Credit	Up to $250,000	625+ FICO, 12+ months, $10,000+ monthly revenue; corporations and LLCs only; not in NV, ND, SD	Weekly or monthly	Recurring inventory and ad-spend gaps
American Express Business Line of Credit	$2,000 to $250,000 at approval	660+ FICO, business started 1+ year ago, $3,000+ average monthly revenue	6-, 12-, 18- or 24-month installments; monthly fee 0.55% to 1.55%	Good credit, smaller revenue

Revenue-based funding, platform financing or a line of credit?

Your situation	Usually the better fit	What to check
A large inventory order before peak season	Ecommerce revenue-based financing or a term loan	Total fee relative to how fast you repay
Almost all sales on one platform	That platform's financing program	How long repayment takes at your usual sales
Repeated small gaps between payouts and bills	Line of credit	Monthly or draw fees and the term on each draw
Wholesale customers paying on 30 to 90 day terms	Invoice factoring	Advance rate and fee per 30 days

Our guide to revenue-based financing explains how sales-share repayment works, invoice factoring covers wholesale receivables, and the business line of credit guide compares bank and online lines.

More platform-financing comparisons: Shopify Capital alternatives, PayPal Working Capital alternatives and Square Loans alternatives. Every guide we publish is sorted by need in our business lender alternatives hub.

How FSE compares options from multiple lenders

Every lender above has its own credit box, and applying to them one at a time takes days and repeats the same paperwork. FSE (Funding Solutions Experts) is an independent commercial finance brokerage that works with 50+ lending partners across working capital, lines of credit, term loans, equipment financing, real estate-backed funding and merchant cash advances. You complete one application, and FSE compares what your business may qualify for across those partners, so you can weigh ecommerce revenue-based funding against lines of credit, term loans and inventory financing side by side on total cost, payment schedule and term.

• No fee to you. FSE never charges the business any fee; FSE is paid by commission from its funding partners.
• Minimums. At least 1 year in business and $10,000 or more in monthly revenue.
• No credit check to apply. FSE's application does not ask for your Social Security number and does not pull your credit. An individual lender may check credit later in its own process.
• No promises we cannot keep. Approval, amounts and terms are set by each lender, and no approval is guaranteed.

If your business meets those minimums, you can apply once with FSE and compare offers from multiple lenders.

Frequently asked questions

What are Clearco's requirements?

Clearco says it works with brands that sell directly to consumers online, have 6+ months of consistent revenue above $100,000 a month, and are incorporated in the U.S. with an active U.S. business bank account.

How much can Clearco fund?

Up to $10 million, with estimated payment terms of up to 12 months.

Does Clearco take a lien or personal guarantee?

Clearco says it never takes collateral or an all-asset lien on your business. Read your agreement for any guarantee or other terms before you sign.

What is a Clearco alternative for smaller brands?

Wayflyer asks for $10,000 a month in sales. Shopify Capital, PayPal Working Capital, Square Loans and Stripe Capital size offers on sales processed through each platform.

Is ecommerce funding a loan?

It depends on the product. Some are fixed-term loans; others are cash advances repaid from a share of revenue. Ask which one you are signing and compare total payback in dollars.

Sources

• Clearco (amounts, terms, eligibility, structures, lien policy, review time, invested volume)
• Wayflyer (amounts, eligibility, supported countries, repayment)
• Shopify Capital; PayPal Working Capital; Square Loans; Stripe Capital
• Bluevine Line of Credit; American Express Business Line of Credit

Provider details were checked in November 2026 and change often; confirm current terms with each provider before you apply. Inclusion is not an endorsement and does not mean a provider is part of FSE's network. Brand names belong to their owners; FSE is not affiliated with them.