---
title: "Better rates than Clearco | eCommerce Financing"
description: "Compare Wayflyer and Clearco for eCommerce financing. Up to $20m from $5,000, one fixed fee, no equity, for brands in the US, UK, Europe and Australia."
canonical: "https://wayflyer.com/au/compare-clearco"
locale: "en-AU"
---

# Flexible financing that reaches further than Clearco

From $5,000 to $20 million, for brands wherever they sell. Not only US-incorporated companies doing $100k a month.

## Why choose Wayflyer?

We think Founder First. Product, pricing and customer service are all built around owners like you, whether you sell direct, on Amazon, through wholesale or all three.

| | Wayflyer | Clearco |
| --- | --- | --- |
| Maximum funding amount | $20m | $10m |
| Where you can be incorporated | US, Canada, UK, Ireland, Australia and Europe | US only |
| Minimum monthly revenue to apply | $10k+ | $100k+ USD |
| Funds sent straight to your bank | Yes | Yes |
| No collateral, equity or personal guarantees | Yes | Yes |
| AI-powered analytics | Yes | No |
| Apply once, always-on funds | Yes | No |

[Start Wayflyer application](/au/compare-clearco#compare-rates)

### Is Wayflyer a good alternative to Clearco?

Yes. Wayflyer and Clearco (formerly Clearbanc) both offer revenue-based financing to eCommerce brands with one fixed fee, no equity and no personal guarantee, and both can fund in as little as 24 hours. The difference is who can use it. Clearco's eligibility criteria require US incorporation and at least $100,000 USD in monthly revenue for six months, its Cash Advance starts at $25,000 per draw, it caps at $10 million, and it doesn't fund wholesale-led businesses. Wayflyer funds eCommerce brands from $5,000 to $20 million and other small businesses up to $1 million, across the US, Canada, UK, Ireland, Australia and Europe. If you're outside the US, earlier in your growth, or selling through more than one channel, Wayflyer is the one that can say yes.

## Want the best deals? Get in touch

Get a tailored offer based on your actual sales, not a generic quote.

- See how much you could access and on what terms
- Learn how brands like yours have used Wayflyer to grow
- Talk through your working capital needs with a real person

## Access the growth capital you need, fast.

### Hassle-free

Apply in around 10 minutes. Once you accept an offer, funds can land in your account in as little as 24 hours.

### Limited risk

We don't take equity and we don't ask for personal guarantees. Your business stays yours.

### No spend restrictions

Cash goes straight to your bank account. Use it for inventory, marketing, hiring or whatever drives growth.

Trusted by the world's best businesses. We've funded 7,000+ brands.

[Customer stories](/au/our-customers)

## Wayflyer vs Clearco: frequently asked questions

**Is Wayflyer better than Clearco?**

It depends on where you are and how far along you are. Both Wayflyer and Clearco offer revenue-based eCommerce financing with a fixed fee, no equity and no personal guarantee. Clearco's stated eligibility is US-incorporated businesses generating $100,000 USD or more a month for at least six months, with funding up to $10 million and a $25,000 minimum per Cash Advance. Wayflyer funds eCommerce brands from $5,000 to $20 million, and other small businesses up to $1 million, across the US, Canada, UK, Ireland, Australia and Europe. If you're outside the US, below Clearco's revenue threshold, need less than $25,000, or want a higher ceiling, Wayflyer is the stronger fit.

**What's the difference between Wayflyer and Clearco?**

The models are similar. The eligibility isn't. Clearco requires US incorporation, a US bank account and at least six months of $100k+ monthly revenue, and lists wholesale-led and brick-and-mortar businesses as ineligible. It offers Cash Advance for funds to your account and Invoice Funding for paying suppliers, with estimated terms of 4 to 12 months and capped weekly payments. Wayflyer works with you directly wherever you're based across the US, Canada, UK, Ireland, Australia and Europe, prices each offer as one fixed fee on your trading data, sends funds to your bank account and finances brands selling direct-to-consumer, on Amazon, through wholesale and retail, or any mix.

**Can businesses outside the US use Clearco?**

Not under Clearco's current eligibility requirements, which state that a business must be incorporated in the United States and hold a valid US checking account. Clearco is headquartered in Toronto and its older terms of service reference other countries, but its published funding criteria today are US-only, and businesses that don't qualify are referred to a partner. If you're based in the UK, Ireland, Australia or Europe, Wayflyer funds eCommerce brands and other small businesses in the US, Canada, UK, Ireland, Australia and Europe, with payouts to your local bank account.

**How much can I borrow from Wayflyer vs Clearco?**

Wayflyer offers $5,000 to $20 million for eCommerce brands, or up to $1 million for other small businesses, sized on your recent sales. Clearco offers up to $10 million, with a $25,000 minimum and $600,000 maximum per Cash Advance transaction, and requires at least $100,000 USD in monthly revenue to apply. Both size offers on revenue rather than credit score. Wayflyer has the higher ceiling and the lower entry point, so it works for brands earlier in their journey as well as the largest operators.

**Does Clearco require equity or a personal guarantee?**

No. Clearco states that its financing is non-dilutive and that it doesn't require personal guarantees or all-asset liens. Wayflyer is the same: we never take equity and don't ask for a personal guarantee, and offers are based purely on how your business is trading. We also don't take collateral or any lien over your business - Wayflyer funding is unsecured. On this point the two are alike, so the deciding factors are eligibility, funding size and minimum draw.

**How fast can I get funded with Wayflyer compared to Clearco?**

Both are fast. A Wayflyer application takes around 10 minutes, and once you accept an offer funds can land in your bank account in as little as 24 hours. Clearco says applications are typically reviewed in as little as 24 hours and most founders receive funding within 24 to 48 hours, with invoice payments reaching suppliers in 3 to 5 business days. Speed won't be the deciding factor between them. Whether you qualify, how much you can access and how little you can draw will be.

## The future of financing is available today.

[Apply now](https://app.wayflyer.com/authn/signup)