The Problem You Didn't Know You Had

Most ecommerce founders think they've solved their capital problem when they secure funding. But here's what 73% of growing businesses discover too late: rigid payment structures undermine your ability to capitalize on opportunities.

While you're locked into fixed terms, your competition is moving faster. They're pivoting when trade policies shift. They're doubling down when opportunities emerge. They're optimizing their capital costs in real-time.

You're not just paying for capital, you're paying the opportunity cost of inflexibility.

The Market Reality No One's Talking About

The current trade environment isn't just volatile, it's unpredictably volatile. Tariff changes happen overnight. Supply chain disruptions cascade without warning. Consumer demand shifts in weeks, not quarters.

Yet most funding solutions were built for a predictable world that no longer exists. They assume your 6-month plan will stay your 6-month plan. They assume market conditions in Month 1 will mirror Month 6.

That assumption is costing you money every single day.

What World-Class Capital Strategy Actually Looks Like

The fastest-growing ecommerce companies aren't just thinking about access to capital, they're thinking about control over capital. They've realized something crucial: in volatile markets, the ability to optimize your capital structure and funding sources mid-cycle isn't a nice-to-have. It's a competitive advantage.

Consider this scenario: You secure a 6-month $1M revenue-based finance advance at a 5% fee. Three months in, trade tensions ease and your inventory turns faster than expected. Presto – you have more cash than you expected. With most traditional funding, you're stuck paying the full $50K fee even though you only needed the capital for half the term and want to pay it back early.

Introducing Capital Agility: Early Payment Option

What if you could optimize your capital use and costs in real-time? What if you could respond to market changes without renegotiating terms or paying penalties?

Clearco’s Early Payment Option gives you something your competitors don't have: the power to pay for capital only when you use it.

How It Works

• Take your advance with standard estimated terms of 4, 5, or 6-month periods
• When conditions change (and they will), exercise your Early Payment Option
• Pay only the prorated fee for the time you actually used the capital
• No penalties. No renegotiations. No friction.

Example: $1M advance at a 5% fee over 6 months. Standard fee: $50K. Pay early at 3 months? Your fee drops to $25K. You just saved $25K by having strategic flexibility.

Three Scenarios Where This Changes Everything

1. The Macro Pivot

A surprise tariff hits your overseas shipment, crushing margins and timelines. You pivot to a domestic supplier and suddenly your capital needs shrink. With most funding, you're stuck paying on a 6-month plan you no longer need. With Early Payment Option, you adjust on the fly, and only pay for what you use when you use it.

2. The Cash Flow Optimization

Multiple advances. Stacked remittances. Cash flow’s tight and growth is stalling. Instead of piling on expensive capital, you pay down select advances early, lower your overall remittance rate, and free up cash for what actually drives ROI.

3. The Liquidity Discipline Move

Your Q4 working capital strategy was built around a $1M advance, but margin improvements and faster turns left you with $100K in idle capital still on the books. Instead of letting that sit and continue accruing fees, you choose to pay it back early, save on costs, and clean up your balance sheet ahead of year-end.

With Early Payment Option, you’re no longer stuck paying for capital you don’t need—so you can finish the quarter leaner, with more control.

The Real Question

In a market where agility determines success, can you afford capital that can't keep up with your strategy?

Your competitors are already moving faster. The question isn't whether you need more flexible capital, it's whether you can afford to operate without it.

Ready to Stop Paying the Flexibility Tax?

‍For founders ready to upgrade their capital strategy: The companies winning in this market aren't just raising capital, they're optimizing it. Let's show you how. 

For existing Clearco partners: Contact your Account Executive to activate Early Payment Option on advances taken between June 9 and September 9.