Clear Co Reviews

Clearco offers fast, flexible, non-dilutive funding for ecommerce businesses, supporting growth with no personal guarantees and decisions in as little as 24 hours.

Here are the Trustpilot Reviews from Clear Co:

Here are the Reviews from Clear Co:

Been working with Kiarash and he is incredible! Beyond helpful and gets back to you in no time. 10/10 recommend working with him

Brendan Aker

Jeremy and his team made the process of getting approved and funded easy and straightforward. I would recommend working with him.

Martin Haas

My contact, Gabriella is very responsive, smart, efficient.The company very reliable.

Haim Milo Revah

Onboarding was quick and efficient. The sales team was attentive and took the time to understand our business and funding needs.

Lauren Bercier

Clearco was very easy to implement and the on-boarding team has been available every step of the way. The ongoing relationship has been well supported by Clearco team members. Their partnership has been invaluable to treasury management.

Dina Rosales

I had an excellent experience using Clearco Bank's invoice lending platform, and I cannot say enough good things about Jeremy Receno. From start to finish, the entire process was smooth, efficient, and exactly what I needed for my business. Jeremy was incredibly professional, knowledgeable, and always available to answer any questions I had. He took the time to understand my specific needs and provided tailored solutions that worked perfectly for my business. His guidance and support made a big difference, and I felt confident throughout the entire process. Clearco's platform is user-friendly and the funding process was quick and seamless. It’s been a great tool for managing cash flow, and I highly recommend both Clearco Bank and Jeremy for their exceptional service. Thank you, Jeremy and the Clearco team, for a job well done!

Angela Lopez

Explore Clear Co's Finance Solutions:

Revenue-Based Financing (Clear Capital)

£10,000 - £10,000,000

Growth Capital (Revenue-Based for Ad Spend)

£10,000 - £10,000,000

Apply Now!

Explore Clear Co's Finance Solutions:

Loan Type:

Revenue-Based Financing (Clear Capital)

Loan Range:

£10,000 - £10,000,000

Loan Terms:

Repaid as a % of daily revenue until the flat fee is paid (typically 3-12 months depending on revenue volume)

Minimum Turnover and Trading Age:

Minimum £10,000 per month in digital revenue (e.g., Amazon, Shopify, Facebook ad sales)

Interest Rate / Factor Rate:

N/A (no interest; flat fee of 6% of the capital amount, but can vary based on risk and deal size)

Fees:

Flat fee typically 6% of the capital; no arrangement fees, no early repayment fees, no hidden charges

Loan Type:

Growth Capital (Revenue-Based for Ad Spend)

Loan Range:

£10,000 - £10,000,000

Loan Terms:

Repaid as a % of daily revenue (typically 8-15% of daily sales) until the fee is cleared; no fixed term

Minimum Turnover and Trading Age:

Minimum £10,000/month in digital revenue from ad channels (Facebook, Google, Amazon)

Interest Rate / Factor Rate:

N/A (flat fee structure, typically 6% on capital)

Fees:

Flat fee (e.g., 6% of capital); no additional fees

Loan Type:

E-commerce Capital (Revenue-Based for Inventory/Stock)

Loan Range:

£10,000 - £10,000,000

Loan Terms:

Repaid as a % of daily revenue (typically 10-15% of daily sales); no fixed term

Minimum Turnover and Trading Age:

Minimum £10,000/month revenue via Shopify, Amazon, or other supported platforms

Interest Rate / Factor Rate:

N/A (flat fee, typically 6%)

Fees:

Flat fee (around 6% of capital); no origination, early repayment, or late fees

Loan Type:

Loan Range:

Loan Terms:

Minimum Turnover and Trading Age:

Interest Rate / Factor Rate:

Fees:

Loan Type:

Loan Range:

Loan Terms:

Minimum Turnover and Trading Age:

Interest Rate / Factor Rate:

Fees:

Loan Type:

Loan Range:

Loan Terms:

Minimum Turnover and Trading Age:

Interest Rate / Factor Rate:

Fees:

More About Clear Co

Clear Co (formerly Clearbanc) is a non-dilutive revenue-sharing finance provider founded in 2015. It offers capital to e-commerce and digital businesses in exchange for a flat fee repaid as a percentage of daily revenue. Clear Co is not a bank and is not FCA regulated as a traditional lender, operating instead under an alternative funding model. Its model is designed for businesses that generate revenue digitally and want to avoid giving up equity or taking on fixed monthly debt.

Key features

Clear Co provides a fully digital, automated underwriting and funding process with API integrations for platforms such as Shopify, Amazon, Stripe, Facebook, and Google Ads. Repayment adjusts with daily revenue, and pricing is based on a flat fee rather than interest. Borrowers may find this useful if they prioritise cash flow flexibility and speed over traditional loan structures.

No equity dilution for founders
Fast application and funding (often within 24 to 48 hours)
Repayment based on daily revenue, offering flexibility during slower periods
No personal guarantee required for standard products
No fixed monthly payments or compounding interest
Digital-first platform with easy API integrations
Transparent flat-fee pricing with no hidden APR or variable rates

Eligibility

Businesses may qualify if they have at least 6 months of trading history and a minimum of £10,000 per month in digital revenue (equivalent to £120,000 annual turnover). Eligible businesses must operate in the United Kingdom, United States, or Canada. The lender excludes all non-digital businesses, including brick-and-mortar retail, manufacturing, construction, professional services, and healthcare. Applicants should have a business bank account and no active bankruptcy or insolvency proceedings.

Loan options

Clear Co offers three revenue-based financing products, all with a flat fee structure (typically 6% of the capital) and no interest or APR. Loan amounts range from £10,000 to £10,000,000. Repayment is collected as a percentage of daily revenue until the fee is cleared, typically within 3 to 12 months depending on revenue volume.

Revenue-Based Financing (Clear Capital): £10,000 to £10,000,000. Repaid as a percentage of daily revenue. Requires minimum £10,000 per month from digital sales on supported platforms (e.g., Shopify, Amazon, Stripe, Facebook Ads). No personal guarantee for standard deals; unsecured.
Growth Capital (Revenue-Based for Ad Spend): £10,000 to £10,000,000. Designed for scaling ad spend on Facebook, Google, and Amazon. Repaid as a percentage of daily revenue (typically 8 to 15%). Requires at least £10,000 monthly ad-driven revenue and 6 months of active ad campaigns.
E-commerce Capital (Revenue-Based for Inventory/Stock): £10,000 to £10,000,000. Aimed at inventory purchase and stock management. Repaid as 10 to 15% of daily sales. Requires 6 months of active e-commerce sales on supported platforms (Shopify, Amazon, WooCommerce, etc.).

How to apply

The application is completed online via the Clear Co website or a partner platform. Decisions are typically provided within 24 hours, and funding can follow in 24 to 48 hours after acceptance via direct bank transfer or platform integration.

Connect your online store or ad platform (Shopify, Amazon, Facebook Ads, etc.) via API or manual upload
Provide business bank account details
Submit proof of identity for the director (e.g., passport or driving licence)
Revenue data is accessed via API or manual upload; no tax returns or business plans are typically required

Funding Agent's view

Clear Co offers a distinctive, non-dilutive revenue-based financing model tailored to e-commerce and digital businesses. Its strengths lie in speed, flexibility, and ease of access through integrations with platforms like Shopify and Amazon. However, eligibility is narrow, limited to digital-only businesses, and the flat-fee pricing can result in a high effective APR if repayment takes longer. Additionally, Clear Co is not FCA regulated as a lender, which means fewer consumer protections than a traditional bank loan. This product may be relevant for growth-stage digital merchants who value cash flow flexibility and fast access to capital over conventional loan structures. It is unlikely to suit most service-based, retail, or B2B businesses, or those with low margins or highly seasonal revenue.