Over $3B invested into 10,000 businesses

"...It allows us to retain more cash when it comes to strong sales periods."
Shopify can file a blanket lien on all your business assets, potentially blocking refinancing or fundraising.
Shopify Capital’s funding is tied to their ecosystem, which can limit your ability to switch platforms or explore other financing.
"...It allows us to retain more cash when it comes to strong sales periods."
Switching to Clearco is fast and seamless. Most ecommerce businesses can go from sign-up to funding in as little as 48 hours.
1. Creating your Clearco account
Sign-up takes just 10–15 minutes.
You'll verify your email, complete your business profile (including connecting ecommerce and bank accounts via Plaid or manual upload).
2. Automated evaluation & approval
Once your data is connected, Clearco’s proprietary scoring process typically generates a funding offer within 24 hours .
After you upload your first invoice, review and sign the agreement.
3. Funding your invoice
Clearco will review and fund your invoice subject to diligence.
Clearco does not impact your personal credit score. Clearco provides non-dilutive working capital to ecommerce businesses, not personal loans or credit lines.
As part of our core differentiators:
1. We do not perform personal credit checks.
2. We do not require personal guarantees, so your personal assets and credit score remain protected.
3. We base eligibility on business performance metrics like revenue, invoices, and receipts—not personal credit history.
You're not alone—and Clearco may still be able to help.
Many ecommerce founders come to Clearco while already tied to traditional loans or aggressive MCA contracts. Our ecommerce funding solutions are designed to work alongside or in place of those solutions, offering more flexibility and transparency.
If you are looking to switch completely, we can also explore refinancing or transitioning options based on your capital needs and existing commitments. Reach out to our team—we’ll guide you through it.