Clearco Rebuilt: Capital That Thinks Like a Founder

Two years ago, Clearco faced challenges most companies don’t survive. After funding 10,000+ brands and deploying $2.5B in capital, the market had shifted. Our model had to evolve. Many in our position would have walked away. We chose a different path. Because walking away isn’t  what committed operators do.

We decided to rebuild. Not just our tech, pricing, or products. Our entire approach to capital. And we built it with one person in mind: the founder who fights to grow.

Today, I am proud to reintroduce Clearco. Not just as a capital provider, but as the capital partner that thinks like a founder. Strategic. Flexible. Competitive.

Why We Rebuilt

Our recapitalization was not just a financial reset. It was a turning point. An opportunity to rethink everything we knew about growth capital. We had something most providers don’t – feedback from more than 10,000 founders, data from billions in deployed funding, and the kind of insight you only earn by sitting in rooms with founders through thousands of growth journeys.

The feedback was clear:

• "Your funding helped, but the terms didn't reflect how well we were actually performing"
• "Funding structures were too rigid."
• "Why do we have to choose between speed and flexibility?"
• "We wanted a partner who understood growth, not just a funding source who understood spreadsheets"

So we asked ourselves a simple question: What if capital actually thought like a founder? This letter is my answer.

What’s New at Clearco

We rebuilt Clearco around three things every founder deserves: capital that rewards performance, adapts to how you actually grow, and comes with strategic insight.

Competitive Capital That Rewards Performance

The problem with traditional capital is simple. It looks backward. It asks what you did 12 months ago. But founders live in the future.

We built forward-looking underwriting that uses both historical data and real-time momentum to project your trajectory with accuracy. We spent months asking ourselves a simple but powerful question: What if capital actually got cheaper and more accessible as businesses got stronger?

Our new pricing grids are the answer. They’re built to reward performance, not penalize growth.

What This Means for You:

• Lower pricing across every funding option
• Higher capacity limits that scale with your success
• Funding decisions in as little as 24 hours without personal guarantees, blanket liens or ownership dilution

Of course, competitive capital isn’t just about price and capacity…

Flexible Funding That Adapts to Business 

The problem with most capital is that it expects growth to follow a straight line. But real growth is messy. It’s seasonal, volatile, and often shaped by sudden opportunities or unexpected pressures.

Too many funding providers force you to fit their structure. We did the opposite.

We built capital that adapts to how your business actually works, with multiple funding structures and deployment methods that you can mix, match, and optimize based on your needs.

1. Choose your Funding Structure: 

Fixed Funding Capacity – Ideal when you're planning your biggest moves. Whether it’s bulk inventory buys for seasonal peaks, a major marketing campaign, or a rapid expansion, Fixed Funding Capacity maximizes available capital and gives you predictable payments and a clear timeline. You get the confidence to plan and move decisively without second-guessing cash flow.

Rolling Funding Capacity – Built for sustained, ongoing growth. As you make payments, that  same capacity becomes available again, no reapplication required. No more paused campaigns while you wait for new approvals. Steady, reliable capital to support your momentum.

2. Mix and match your capital deployment options: 

Cash Advance – When you need capital fast and want complete control over where you spend it. We fund capital directly to your bank account, and you decide where it goes. No delays. No restrictions. 

Invoice Funding – Capital deployed just-in-time, not just-in-case. You schedule funds to match your vendor payment timelines, so you’re not paying fees on idle capital. You benefit from precision, cost savings, and stronger supplier relationships.  

3. Leverage flexible payment options:

Early Payment Option – If you’re generating significant cash flow, pay in full early to save money on fees, and unlock new funding options for the next opportunity. Fund without hesitation with the comfort of knowing you can pay early without penalty.

Strategic Partnership Backed by Pattern Recognition

The problem with most capital providers is they disappear after the wire hits. But founders don’t just need money. They need insight. Strategic input. Pattern recognition. 

We’ve funded more than 10,000 brands. We’ve seen what works, what doesn’t, and where timing makes all the difference. Every funding decision we make is backed by that experience, and we stay involved as you scale.

How Pattern Recognition Becomes Your Advantage:

• Seasonal strategies refined across hundreds of successful holiday campaigns
• Inventory optimization based on what actually works in your vertical 
• Expansion playbooks from companies that scaled successfully
• Capitalization planning to optimize the way you fund growth
• Crisis navigation from founders who turned setbacks into opportunities

We don't just fund your next move. We actively help you spot opportunities your competitors miss. We’ve sat in these sessions thousands of times, and we bring that experience to every decision we support. 

Meeting the Moment: Why This Matters Now

Strategic, flexible, competitive capital couldn’t come at a better time.

• Rising tariffs are squeezing margins overnight
• Traditional lending is tightening requirements just when flexibility matters most
• Unpredictable consumer spending is magnifying seasonal uncertainty

This is exactly the time that founders need capital that makes them stronger, not more fragile. Capital that adapts to changing conditions and thinks strategically about timing, deployment, and competitive advantage.

Clearco was rebuilt for this reality. To help you move fast, think ahead, and stay competitive no matter what the market throws your way.

Real Impact: How Founders Are Already Winning

Since launching our rebuilt platform, founders are already proving what’s possible with capital that thinks like they do.

Larroudé: The Production Optimizer
“With Clearco’s Invoice Funding, we cut production cycles from 120 days to 45. We can now design a shoe and get it to market in 10 days. That kind of speed is only possible because we have the capital to scale it.”

— Marina Larroudé, Co-Founder

Diggs: The Ever Ready Partner
“Clearco helped us at a critical moment. They allowed us to focus on our vision, not on financing headaches.”

— Zel Crampton, Founder

Dossier: The Growth Multiplier
“You can be profitable but not liquid. Clearco made sure we always had the resources to grow when we needed them most.” — Sergio Tache, Founder

These stories aren’t exceptions. They are the new standard for founders who refuse to let rigid capital hold them back.

What Comes Next: Your Growth Story Starts Here

Clearco’s rebuild is not just about better products or improved terms. It is about a future where:

• Capital adapts to founders, not the other way around
• Performance is rewarded, not penalized
• Flexibility beats rigidity, every time
• Partnership amplifies your vision instead of constraining it

The new platform is live. The pricing is competitive. The partnership is real. And now, the future is in your hands. After more than 10 years of funding founders and two years of rebuilding, I leave you with one question: What will you build with a capital partner that thinks like a founder?

Whether you are making your biggest move yet, fueling steady growth, or navigating unpredictable demand, Clearco has the capital to match your next step. In as little as 24 hours.

We've built the future of capital. Your moment is now.

— Andrew Curtis

CEO, Clearco