Receive vs Clearco
Choose Receive if you want to spend against incoming sales through a fee-free business card; choose Clearco if your established ecommerce business needs a cash advance or supplier invoice funding with months to pay. Both address cash-flow gaps, but Receive focuses on access to receivables for card purchases, while Clearco offers funding for larger growth expenses.
Last updated October 27, 2026.
At a glance
| Dimension | Receive | Clearco |
|---|---|---|
| How funds are accessed | Receive Business Mastercard spending | Cash advance or supplier invoice funding |
| Fees and interest | No fees or interest | Fixed fees starting at 3.5%; no periodic interest |
| Payment timing | Automatic bank debit when funds are available | Weekly payments; estimated 4–12-month terms |
| Funding amount | Spending limit based on outstanding receivables | Funding up to $10 million |
| Funding structures | Dynamic card spending power | Fixed or rolling funding capacity |
| Business eligibility | U.S.-based businesses | Eligible U.S. ecommerce businesses; $100,000-plus monthly revenue for 6 months |
| Sales-platform connections | Amazon, Shopify, Stripe, Etsy, Square, PayPal, BigCommerce | Shopify and Amazon; other supported platforms not listed here |
| Account connection | Link receivables and a bank account | Connect sales platforms and bank accounts |
| Early payment | Not published | Prorated fees for eligible early payments |
| Management | Dashboard for spending power, transactions and sales | Dashboard for funding capacity and invoices |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Receive if
- Businesses waiting for sales proceeds to settle
- Teams paying expenses with a business Mastercard
- Businesses seeking card spending without fees or interest
Choose Clearco if
- Ecommerce brands with at least six months of $100,000-plus monthly revenue
- Businesses needing a cash advance or supplier invoice funding
- Teams planning larger investments with weekly payments
The verdict
The deciding factor is how you need to use the money. Receive fits a U.S. business that wants card spending power tied to outstanding receivables, without card fees or interest. Clearco fits an eligible U.S. ecommerce brand that needs funds in its bank account or supplier invoices paid, accepts a fixed fee, and wants an estimated payment term of 4 to 12 months.
Receive vs Clearco: common questions
- What is the main difference between Receive and Clearco?
- Receive turns outstanding receivables into spending power on a business Mastercard. Clearco offers eligible ecommerce businesses cash advances or supplier invoice funding, with fixed fees and estimated payment terms of 4 to 12 months.
- Is Receive or Clearco free?
- Receive says its business card has no fees or interest. Clearco charges a fixed fee starting at 3.5%, with the exact amount disclosed before an offer is accepted.
- Can I get money deposited into my bank account?
- Clearco offers a cash advance deposited into a business bank account. Receive describes access to receivables as spending power on its business Mastercard, rather than a bank deposit.
- How do repayments work?
- Receive says it automatically debits a linked bank account when funds are available. Clearco offers estimated 4-to-12-month terms with weekly payments.
- Which businesses can qualify?
- Receive says it supports U.S.-based businesses and bases card limits on outstanding receivables. Clearco lists U.S. incorporation, a U.S. checking account and at least six months of roughly $100,000 or more in monthly ecommerce revenue among its eligibility criteria.
- Which sales platforms do they connect to?
- Receive displays Amazon, Shopify, Stripe, Etsy, Square, PayPal and BigCommerce on its website. Clearco names Shopify and Amazon as examples of sales accounts it connects to.
- Does either product offer a fixed funding amount?
- Clearco offers Fixed Funding Capacity, with funding of up to $10 million for eligible businesses. Receive says its card spending limit depends on outstanding receivables.
- Can I pay Clearco early?
- Clearco says eligible customers can pay early with prorated fees and no penalty. Receive does not publish a comparable early-payment option for its card.