Clearco Lends You Capital. Olina Smooths Your Bills — No Loan.

The short version: Clearco is revenue-based financing—a lump of non-dilutive capital ($10K–$10M) repaid as a flexing percentage of weekly sales plus a fixed fee. Olina is a cash-flow platform for ecommerce and DTC brands that pays eligible bills and turns them into smaller daily repayments. Clearco supplies unrestricted capital for broad or longer-duration uses. Olina handles supported ad and operating bills, including repeated inventory purchases through Budget Bills or one approved PO through Pure Drip over Net 30 or Net 45. Choose Clearco for a genuine capital requirement; choose Olina when the bill is known and its payment shape is the constraint.

See Pricing · Start with one bill

• At a glance · Unrestricted capital vs bill timing · When financing mismatches the need · Where Clearco is the answer · Pricing · Where each wins · Who should choose · FAQ · How Olina works

TL;DR

Clearco (formerly Clearbanc) pioneered non-dilutive, revenue-based funding for DTC, and it is a real option: connect sales data, receive a term sheet in about 24 hours, take a lump of capital, and repay it as a percentage of weekly sales, which flexes down in slow periods. The tradeoff is the fee (commonly cited around 6–16%+ flat, ~15–45%+ effective APR), and faster repayment can raise the effective annualized rate. Olina does not provide unrestricted cash. Instead, it pays eligible bills and turns them into daily repayments. Use Clearco when you need capital you can deploy broadly or over a longer horizon; use Olina when a supported bill can be handled within the product's 30/45-day timing.

At a glance

Unrestricted capital vs bill timing

This is the distinction that matters, because it's the one that's easy to miss.

Clearco's repayment flexes with your sales — it shrinks in slow weeks and accelerates in strong ones. That's genuinely better than a fixed installment, and it's why revenue-based financing feels founder-friendly. But look at what's flexing: you're flexing the repayment of a lump of capital advanced to you, plus a fee. The money still has to come back, and the fee comes out of your margin no matter how the flexing works.

Olina's Ad Flex Card also moves with revenue, but what changes is the timing of an eligible ad obligation. The brand selects a daily-revenue paydown percentage, and any remaining balance receives Net-45 treatment at 0% interest. Other Olina products use fixed daily repayments rather than revenue-linked variability.

So the accurate framing is not "Clearco flexes, Olina flexes, same thing." It is: Clearco flexes repayment of unrestricted capital; only Olina's Ad Flex Card links paydown to daily revenue, while the rest of Olina's products turn approved bills into fixed daily repayments.

When financing mismatches the need

If you take revenue-based financing to get through a normal month — to cover an ad bill or a 3PL invoice you already owed — two things happen:

1. Your profitability drops. The fee (often 15–45%+ annualized) comes straight out of your margin, so you have to be more profitable just to break even on capital advanced to pay a bill you already had.
2. You risk a cycle. You repay out of daily sales, so you're lightest on cash exactly while you're repaying — which is when the next crunch tempts you into another advance to cover the first.

Olina can reduce reliance on that cycle by changing the payment shape of eligible bills. This can be useful for a healthy company that wants less volatility and more available cash for growth, not only for a company struggling to make a payment.

Where Clearco is the answer (not Olina)

To be fair: Olina does not provide unrestricted cash. When you genuinely need flexible capital, Clearco is a legitimate, non-dilutive option —

• You have a specific, one-time deployment — an inventory build, a PO, a marketing push — that will earn back more than the fee
• You want non-dilutive capital with no equity given up and no personal guarantee
• You want revenue-linked repayment that eases off in slow weeks
• You're growing faster than your own cash flow can fund

Olina can pay an approved PO or inventory invoice through Pure Drip and spread repayment over Net 30 or Net 45. Unrestricted capital and six-month facilities remain Clearco's side of the comparison.

Pricing

Olina — Ad Flex Card carries 0% interest. Other products use a flat fee, and monthly plans apply. Check current Olina pricing for applicable terms.

Clearco — A flat fee on the advance (commonly cited around 6–16%+), repaid as a flexing percentage of weekly sales; third-party analyses put the effective APR around 15–45%+, rising the faster you repay. Funding $10K–$10M, non-dilutive, no personal guarantee.

Where each one wins

Where Olina wins

• Covers card and invoice ad spend, repeated operating categories, and one-off approved invoices through four products
• 0% interest on Ad Flex Card; flat-fee options for eligible operating bills; can reduce reliance on timing-driven borrowing
• Keeps more cash available for profitable growth instead of reserving it around lump-sum bill dates
• Works on top of the brand's existing banking setup

Where Clearco wins

• It gives you unrestricted capital for broad or longer-duration needs—something Olina does not provide
• Non-dilutive, no equity, no personal guarantee
• Revenue-linked repayment that flexes down in slow weeks
• Fast term sheets (~24 hours) for a real one-time need

Where each falls short

• Clearco, for a timing problem: it is still fee-bearing financing; using it to cover ordinary bills taxes margin and can start a cycle
• Olina: Pure Drip covers an approved invoice over Net 30 or Net 45, not unrestricted cash or six-month financing

Who should choose which

Choose Clearco if you... need a lump of non-dilutive capital for a specific purpose (inventory, a PO, a growth push) that earns back more than the fee.

Choose Olina if you... have an eligible ad, operating, inventory, or PO bill that fits a 30/45-day payment solution; want predictable daily repayments and more cash available for growth; or want to reduce timing-driven use of fee-bearing advances.

You can use both — in the right roles

Use Clearco for a genuine unrestricted or longer-duration capital need and Olina for eligible bills that fit its product terms. This keeps Clearco focused on deployments that can earn back its fee while Olina handles payment timing on supported ad and operating spend.

How Olina actually works

Olina is a cash-flow platform for growth-focused ecommerce and DTC brands. Its four products match the way a bill arrives: Ad Flex Card and Ad Invoices cover advertising spend, while Budget Bills and Pure Drip turn eligible operating invoices into daily repayments.

• Ad Flex Card — for card-billed ad spend. You select a daily-revenue paydown percentage. Any remaining balance receives Net-45 treatment at 0% interest, which can preserve usable cash and card capacity for profitable campaigns.
• Ad Invoices — for advertising-platform invoices. Olina pays an approved invoice when it lands, and you repay it in small daily installments across 45 days.
• Budget Bills — for repeated operating categories. Set a monthly budget for eligible 3PL, shipping, freight, customs, or repeated inventory bills; Olina pays bills as they arrive and combines them into one steady daily amount.
• Pure Drip — for one sporadic approved invoice. A PO, inventory, tariff, freight, packaging, fulfillment, or 3PL bill can be paid by Olina and repaid in equal daily amounts over Net 30 or Net 45. It is not unrestricted cash or six-month inventory financing.

Ad Flex Card is 0% interest; other Olina products use a flat fee, and monthly plans apply. If a 3PL charges about 3% to pay by card, compare that fee with your Olina terms: Olina may cut the payment cost materially—sometimes roughly in half—while also replacing the card-payment lump with predictable daily repayments.

Olina vs Clearco FAQ

Clearco's repayment flexes with my revenue — isn't that the same as Olina? No. Clearco flexes repayment of unrestricted capital plus a fee. Only Ad Flex Card links paydown to daily revenue; Olina's other products use fixed daily repayments on approved bills. They solve different financing and payment-timing jobs.

Is Olina a cheaper Clearco? No. Clearco provides capital that can be deployed broadly. Olina pays eligible bills under product-specific terms. Pure Drip can handle one approved PO or inventory invoice over Net 30 or Net 45, but it is not unrestricted cash.

When should I actually take Clearco funding? When you have a capital need whose duration, size, or permitted use does not fit an Olina bill product—and the expected return exceeds Clearco's fee.

Does Olina replace a long-duration capital facility? No. Olina addresses payment timing on eligible bills and can reduce timing-driven borrowing. It does not provide unrestricted cash or turn a six-month need into a 30/45-day obligation.

Can I use both? Yes — Clearco for a real capital need, Olina to keep ordinary monthly cash flow smooth.

The takeaway

Clearco provides capital that flexes with revenue; Olina changes the payment shape of eligible bills. Clearco is a legitimate, non-dilutive choice for unrestricted or longer-duration capital. Olina is the more direct tool when a known ad or operating bill fits its 30/45-day terms and the goal is smoother cash flow, more usable growth cash, and less timing-driven borrowing.

Also read: Best merchant-cash-advance alternatives · Olina vs Wayflyer · Olina vs 8fig Stop letting one big bill dictate your month. Start with one bill or see pricing.