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 3 weeks).
- Clearco is open to smaller companies ($120K+ ARR vs $500K+).
- Regions: Lighter Capital covers US; Clearco covers US, UK.
Side by side
| Lighter Capital | Clearco | |
|---|---|---|
| Product | Revenue-based financing | Invoice & cash advance |
| 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 weeks | About 3 days |
| Typical size | Up to about 33% of ARR | Up to about 40% of ARR |
| Term | 36–60 months | 4–6 months |
| Requirements | $500K+ ARR | $120K+ ARR |
| Regions | US | US · UK |
| What they underwrite | Your recurring revenue | Your recurring revenue |
| Collateral | Future revenue | Future revenue |
| How you repay | % of revenue | Fixed monthly |
| Dilution | None | None |
Lighter Capital
Repay 1.3–1.5x the amount via a share of monthly revenue; ~3–4 weeks to fund.
Lighter Capital vs Clearco FAQ
What is the difference between Lighter Capital and Clearco?
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 3 weeks). Clearco is open to smaller companies ($120K+ ARR vs $500K+). Regions: Lighter Capital covers US; Clearco covers US, UK.
Which is faster, Lighter Capital or Clearco?
Clearco usually funds in about 3 days; Lighter Capital takes about 3 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.