Key differences
- They price differently, so compare the effective annual cost for your numbers in the calculator.
- Clearco is usually faster to fund (about 3 days vs about 4 weeks).
- Clearco is open to smaller companies ($120K+ ARR vs $3M+).
- Flow Capital involves dilution (small (warrants)).
- Regions: Clearco covers US, UK; Flow Capital covers US.
Side by side
| Clearco | Flow Capital | |
|---|---|---|
| Product | Invoice & cash advance | Growth debt (no VC needed) |
| Funding type | Revenue-based financing | Revenue-based financing |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 3 days | About 4 weeks |
| Typical size | Up to about 40% of ARR | Up to about 40% of ARR |
| Term | 4–6 months | 24–60 months |
| Requirements | $120K+ ARR | $3M+ ARR |
| Regions | US · UK | US |
| What they underwrite | Your recurring revenue | Your recurring revenue |
| Collateral | Future revenue | Future revenue |
| How you repay | Fixed monthly | Fixed monthly |
| Dilution | None | Small (warrants) |
Flow Capital
Founder-friendly venture debt alternative for companies without institutional VCs.
Clearco vs Flow Capital FAQ
What is the difference between Clearco and Flow Capital?
They price differently, so compare the effective annual cost for your numbers in the calculator. Clearco is usually faster to fund (about 3 days vs about 4 weeks). Clearco is open to smaller companies ($120K+ ARR vs $3M+). Flow Capital involves dilution (small (warrants)). Regions: Clearco covers US, UK; Flow Capital covers US.
Which is faster, Clearco or Flow Capital?
Clearco usually funds in about 3 days; Flow Capital takes about 4 weeks.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.