Company Overview
About Clearco
Clearco, formerly known as Clearbanc, is a fintech company that provides non-dilutive, revenue-based financing to direct-to-consumer (D2C) e-commerce brands. Founded in 2015 by Andrew D'Souza and Michele Romanow in Toronto, Clearco pioneered the use of revenue share agreements as an alternative to venture capital or bank loans for e-commerce entrepreneurs. Merchants connect their Shopify, Amazon, or other commerce revenue accounts, and Clearco uses real-time revenue data to underwrite funding decisions — often within 24 hours — advancing capital that is repaid as a fixed percentage of future sales.
Business Model & Competitive Advantage
Clearco has raised $775M in total funding across nine rounds, with a $60M Series D in October 2023. The company has deployed over $3 billion in capital to more than 10,000 brands across apparel, beauty, health, and consumer goods categories. Clearco's model is designed for brands that are generating revenue but do not want to dilute equity or take on debt with fixed repayment schedules — the revenue share model aligns repayment with business performance. In September 2025, Clearco launched an expanded funding suite including Rolling Funding Capacity (revolving capital that refreshes as repayments are made), Fixed Funding Capacity, and Cash Advance products.
Competitive Landscape 2025–2026
Clearco's business model requires sophisticated real-time data underwriting and careful management of portfolio credit risk across thousands of D2C brands simultaneously. The company has faced competitive pressure from merchant cash advance providers and from e-commerce platforms like Shopify Capital, which offer similar financing embedded directly into their ecosystems. Clearco differentiates through its brand-agnostic approach, higher funding limits for larger brands, and dual product suite (both invoice funding and cash advance in one platform) that covers different stages of an e-commerce brand's growth cycle.
Key Differentiators
Strong Challenger
Clearco is an established challenger with significant market presence and competitive offerings in Financial Services.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
Based on estimated brand signals. Historical tracking coming soon.
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