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 $1M+).
- Regions: Clearco covers US, UK; TIMIA Capital covers US.
Side by side
| Clearco | TIMIA Capital | |
|---|---|---|
| Product | Invoice & cash advance | Revenue-based financing |
| 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 | 24–72 months |
| Requirements | $120K+ ARR | $1M+ ARR |
| Regions | US · UK | US |
| What they underwrite | Your recurring revenue | Your recurring revenue |
| Collateral | Future revenue | Future revenue |
| How you repay | Fixed monthly | % of revenue |
| Dilution | None | None |
Clearco vs TIMIA Capital FAQ
What is the difference between Clearco and TIMIA 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 $1M+). Regions: Clearco covers US, UK; TIMIA Capital covers US.
Which is faster, Clearco or TIMIA Capital?
Clearco usually funds in about 3 days; TIMIA 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
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