Clearco

Clearco

Non-dilutive funding for ecommerce operations

Overview

Clearco provides non-dilutive working capital to ecommerce businesses, helping them fund invoices and operational needs such as product procurement, marketing, and general operations. The funding model advances capital quickly—often within 24 hours—without requiring collateral or personal guarantees, and it uses capped weekly payments so clients know exactly what they’ll pay. This streamlined, equity-free financing is designed to scale with a business, supporting predictable revenue growth and cash flow management. Compared to competitors, Clearco emphasizes non-dilutive funding, fast access to capital, and transparent, fixed repayment terms. The company’s goal is to enable ecommerce brands to grow efficiently by providing simple, scalable funding that preserves ownership.

About Clearco

Simplify's Rating
Why Clearco is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

51-200

Company Stage

Series D

Total Funding

$1.8B

Headquarters

Toronto, Canada

Founded

2015

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Simplify's Take

What believers are saying

  • Clearco-funded brands grew 25 percentage points more during BFCM 2025 versus unfunded competitors.
  • Tripled capital advances in 2024 demonstrates strong market traction and operational recovery post-turmoil.
  • Rolling Funding and uncapped Receipt Funding ($1M to unlimited) enable continuous access for scaling brands.

What critics are saying

  • Private credit defaults rose to 2.46% in Q4 2025, signaling deteriorating borrower health across sector.
  • Shopify Capital's seamless app integration directly captures Clearco's core merchant base of 10,000 clients.
  • Regulatory scrutiny on revenue-share financing as unlicensed lending threatens uncapped receipt funding model.

What makes Clearco unique

  • Revenue-based funding with capped weekly payments eliminates equity dilution for ecommerce founders.
  • 24-hour capital deployment with API integrations streamlines funding access across ecommerce platforms.
  • Highbeam partnership bundles zero-fee banking with 3.52% APY yields and real-time cash flow visibility.

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Funding

Total Funding

$1.8B

Above

Industry Average

Funded Over

9 Rounds

Notable Investors:
Series D funding is typically for companies that are already well-established but need more funding to continue their growth. This round is often used to stabilize the company or prepare for an IPO.
Series D Funding Comparison
Below Average

Industry standards

$77M
$60M
Clearco
$70M
Twilio
$80M
Handshake
$100M
Affirm

Benefits

Comprehensive health insurance

Flexible vacation & holidays

Generous parental & family leave

Beautiful downtown office, or remote

Healthy food & snacks

Kickass team & leadership

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

1%

2 year growth

2%
ClearCompany
Nov 26th, 2025
Clearco Partners with Highbeam to Streamline Strategic Funding and Banking for Ecommerce Brands

Clearco partners with Highbeam to streamline strategic funding and banking for ecommerce brands. Building a winning brand is harder than ever. Markets move quickly, costs continue to rise, and growth now requires financial decisions that depend on clear, real-time visibility. Yet many founders are operating with tools that were not built for the pace or pressure of today's environment, which makes managing cash flow and planning for inventory even more challenging. Cash flow pressure adds another layer of complexity. Brands often need capital to cover today's expenses and upcoming inventory, while much of their cash is still tied up in past orders that have not yet converted into sales. Enter Clearco. Traditional banking platforms do not provide the live insights, higher yields, sweeps, or transparent fees that modern DTC brands need to stay ahead. Enter Highbeam. The Highbeam and Clearco partnership was created to solve these cash flow challenges by giving founders real-time financial visibility and efficient non-dilutive capital in one connected system that supports growth without friction. Building a connected financial ecosystem for ecommerce growth. Highbeam and Clearco share a mutual goal: to bridge the gap between banking and growth capital by building a connected financial ecosystem tailored to the needs of modern consumer brands. Together, Clearco is making it easier for businesses to run their operations efficiently while staying fully in control of their equity and operations. Clearco's ecommerce working capital seamlessly provides brands with the funding they need to seize growth opportunities rather than stall their momentum. By redefining how ecommerce founders access capital, together with Highbeam's AI-powered financial control centre, Clearco is proud to connect smarter banking with fast, flexible funding so you can grow your business with the insights and tracking needed to scale. Highbeam's banking built for consumer brands, delivering up to 3.52% annual percentage yield, integrates directly with the 10,000+ businesses that trust Clearco. Highbeam's automated treasury sweeps ensure brands are earning the most yield possible everyday. Clearco is excited to give founders a smarter financial stack with flexible funding options for scaling, AI-driven insights, and real-time visibility that work together to maximize returns. One hub for banking and growth funding. Growing a brand means constantly shifting gears. From go-to-market to ops to product, founders are constantly moving. Managing finances shouldn't slow that momentum. That's why Clearco and Highbeam built one connected hub. Highbeam delivers zero-fee banking with high-yield accounts that put idle cash to work. Highbeam also provides brands with 13-week cash flow sheets that provide them with visibility into their finances. Clearco provides flexible, founder-friendly capital that moves with your revenue with no rigid terms. This strategic partnership gives founders and operators a single place to: * Track earnings, runway, and remittances in real time * Set up auto sweeps to maximize earnings * Access capital quickly for inventory, marketing, launches or viral moments * Keep cash working harder with tools built for ecommerce scale * Strategically manage cash flow Highbeam powers the banking. Clearco powers the growth. One platform. One financial ecosystem. Empowering smarter growth calls with real-time clarity. In ecommerce, every decision shapes momentum. Whether you're planning a product launch or managing seasonality, the strength of your financial insights can determine the outcome. Clearco and Highbeam are focused on more than access and speed. Clearco is helping founders make sharper, more confident decisions by combining real-time visibility with capital that's ready when needed. Highbeam's platform surfaces what matters most: cash flow trends, burn rate, and performance metrics. Clearco complements that visibility with flexible funding that supports action, not delay. This integrated approach gives founders the financial tools to actively grow your business and reach new heights with a clearer, faster path to scale and no second-guessing your next move. Simplifying finance, strengthening growth. Clearco and Highbeam were built to help founders move faster with fewer roadblocks. Now, together, Clearco is removing the friction between banking and capital by delivering one intelligent, connected system for ecommerce finance. No equity dilution. No hidden fees. Just high-yield banking with auto-sweeps, real-time insights, and flexible non-dilutive capital designed to keep pace with your brand's growth. Whether you're prepping for peak season or mapping your next product launch, Clearco and Highbeam give you the visibility and funding to scale with confidence. Ecommerce

Business Wire
Jul 10th, 2025
Clearco Launches Rolling Funding to Advance How Ecommerce Brands Access Capital

Clearco launches Rolling Funding to advance how ecommerce brands access capital.

PYMNTS
Apr 2nd, 2025
Know-Your-Business Is Key To Stability As Trump’S Tariffs Shake Up Supply Chains

There’s a trade war happening. Governments around the world are imposing and adjusting tariffs to address shifting geopolitical and economic realities. The corresponding supply chain uncertainty has thrown many enterprise back offices into turmoil. On Wednesday (April 2), at an event entitled the “Make America Wealthy Again Event” during what the administration has termed “Liberation [] The post Know-Your-Business Is Key to Stability as Trump’s Tariffs Shake Up Supply Chains appeared first on PYMNTS.com.

PYMNTS
Apr 2nd, 2025
Clearco and Cavela Team to Help eCommerce Firms Weather Tariffs

Clearco, a provider of growth capital for eCommerce, has teamed with Cavela, an eCommerce product sourcing/vendor management platform.

PYMNTS
Apr 2nd, 2025
Clearco And Cavela Team To Help Ecommerce Firms Weather Tariffs

Clearco, a provider of growth capital for eCommerce, has teamed with Cavela, an eCommerce product sourcing/vendor management platform. The collaboration, announced in a news release Wednesday (April 2), is designed to simplify operations for online businesses by linking Clearco’s funding options with Cavela’s network of more than 200,000 suppliers. “With tariffs on everyone’s radar, this partnership is timely,” Cavela CEO Anthony Sardain said in the release. “We’re helping brands scale confidently and efficiently through these market shifts. In times of change, it’s crucial to conserve production costs, and that’s exactly what we unlock.”

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