Shopify Capital looks easy. Until you read what you’re signing

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Daily payments shrink your margins. Collateral puts your business at risk.

Shopify now requires collateral. If sales dip, they can seize assets like inventory or revenue. That’s called UC-1 risk—you’re on the hook if things don’t go to plan.

You’re also repaying daily, even before your ads convert. That eats into cash flow fast.

Clearco is different:
•No collateral. No personal guarantees.
•Approvals in as little as 24 hours.
•Only pay on what you use, when you use it.

Founders need flexible capital, not daily drains or risky terms.

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Why Brands Switch from Shopify Capital to Clearco

Compare the features that separate our working capital products

Fees starting at

4.25%

10%

Funding type

Invoice Funding

Revenue-Based Financing

Borrowing control

Borrow against invoices or receipts

Must borrow lump sum

Payment structure

Capped dollar amount (fee based)

Uncapped percentage amount (revenue based) + additional monthly or fixed fee

Payment schedule

Weekly

Daily

Payment predictability

"Fixed"

Unpredictiable

Speed to funding closed

As little as 24 hours

48 hours

Takes equity

Takes collateral

Controls storefront

Personal guarantees

Personal credit check

Financial advisory

Integrates with Shopify

Easy platform UX

Choose Clearco

Founders using Clearco restocked 27% faster and launched campaigns 2× quicker than those relying on platform-based funding

Why? Because Clearco gives you capital when you need it — not after daily fees chip away at your revenue.

See How Much Capital You Qualify For

Fast founders don’t wait on payouts.

Our Ecommerce Founders

Over $2.5B invested into 10,000 businesses

“The most compelling factor about Clearco is the simplicity, the speed, and the fact that we don’t have to give up equity...”

"...it’s a really important aspect for founders."

— Bunny Ghatrora

Co-Founder & COO, Blume

Made to match The Pace Of DTC ecommerce

What Can You Fund?

Inventory and supplier payments

Stock up before bestsellers sell out.

Shipping, 3PL, and warehousing

Keep fulfillment flowing without delays.

Marketing and advertising Campaigns

Launch fast while your audience is active.

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Shopify Capital takes collateral.
Clearco doesn’t.

Get funded in as little as 24 hours — no strings attached.