Comparison · 2026 edition
Clearco vs Liberis: working capital finance compared 2026.
Clearco and Liberis side by side in the Revenue-Based and Working Capital Finance Index 2026: scores, evidence, published facts and awards.
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Clearco and Liberis side by side in the Revenue-Based and Working Capital Finance Index 2026: scores, evidence, published facts and awards.
In the Revenue-Based and Working Capital Finance Index, Clearco scores higher overall: 3.4 out of 5 (67 out of 100) against 2.9 (57), ranking 1 and 4 of 12. Clearco scores higher for online and retail brands and software and subscription firms; they tie for small businesses and merchants.
Overall and segment scores out of 100, and the score out of 5.
| Score | Clearco | Liberis |
|---|---|---|
| Score out of 5 | 3.4 | 2.9 |
| Score out of 100 | 67 | 57 |
| Overall rank | 1 of 12 | 4 of 12 |
| For online and retail brands (out of 100) | 66, rank 1 | 58, rank 4 |
| For software and subscription firms (out of 100) | 72, rank 1 | 51, rank 4 |
| For small businesses and merchants (out of 100) | 62, rank 3 | 62, rank 2 |
| Type | Revenue-based finance provider | Revenue-based finance provider |
Each score with the evidence behind it.
| Criterion | Clearco | Liberis |
|---|---|---|
| Product range | 4/5 Four funding products published, three of them forms of the same funding limit. | 5/5 Five financing products published, from starter advances to custom limits. |
| Published pricing | 1/5 Only a "start at" fee is published, which the method does not count. | 4/5 Representative APR with a full worked example published; other products not priced. |
| Published eligibility | 5/5 Minimum revenue, trading history and US-only eligibility all published. | 3/5 Revenue thresholds and UK company eligibility published; trading history not published. |
| Limits and speed | 5/5 Minimum and maximum amounts and a 24 to 48 hour funding time published. | 3/5 Maximum amounts and an under 24 hour funding time published; minimum amounts not published. |
| Borrower terms | 5/5 No personal guarantee, no equity and no early repayment charge all stated. | 0/5 Personal guarantee, equity and early repayment terms not published on the pages read. |
| Regulatory standing | 0/5 Not published on the pages read. | 2/5 States its financing is not FCA regulated; register number published for a payment agent role only. |
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Clearco | Liberis |
|---|---|---|
| Products | Rolling Funding Capacity, Cash Advance, Fixed Funding Capacity and Invoice Funding; invoices extended "over 4-12 months, with a fixed fee, on a weekly cadence". | Starter Capital ("Up to £50,000/ advance"), Pay with Liberis ("Up to £10,000/ purchase"), Working Capital ("Up to £1m/ advance"), Flex Capital ("Up to £2m/ limit") and Investment Capital (custom). |
| Pricing | Fees "start at 3.5%"; the exact fee is "disclosed before acceptance" and "will never increase throughout the duration of the extension plan". | Representative APR "41.9%": loan "£25,000", 12-month term, fixed fee "£6,000", total repayable "£31,000", interest "0%". |
| Eligibility | "Sell directly to consumers online (DTC)"; "Have 6+ months of consistent revenue, generating more than $100,000 USD per month"; "incorporated in the U.S. and have an active U.S. business bank account". | Revenue thresholds by product: "from £0/ month", "from £500/ month", "from £5,000/ month" and "from £40,000/ month"; representative example for UK Limited Companies; "15 markets" not named. |
| Limits and speed | Cash Advance: "$25,000 minimum and $600,000 maximum" per draw; "funding up to $10 million"; "Most founders receive funding within 24 to 48 hours." | Not listed in this index |
| Borrower terms | "Our funding is non-dilutive, with no personal guarantees"; never takes "collateral or an all-asset lien"; "You can pay at any time without fees or penalties." | Not listed in this index |
| Regulatory standing | No licence or security certification stated; footer names "Clear Finance Technology Corporation". | Not listed in this index |
| Speed and repayment | Not listed in this index | Working Capital: "Fastest time to funds (< 24 hours)"; "Paid with % of future revenue"; minimum monthly amount "of up to 3% of the total amount owed". |
| Regulatory status | Not listed in this index | "Liberis is not authorised or regulated by the Financial Conduct Authority"; "Business Cash Advance is a form of receivables finance not a loan." |
| Register entry | Not listed in this index | "Liberis Limited (Firm Reference Number: 902157) is a registered EMD agent of Modulr FS Limited"; US payment services by "Airwallex US, LLC (NMLS #1928093)". |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Clearco: regulatory standing and borrower terms.
Not published or not stated by Liberis: eligibility, limits and speed and borrower terms.
Facts read on 26 October 2026 from: clear.co, clear.co/faqs, help.clear.co/s/article/…; and liberis.com/…, liberis.com/compare-products.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
US online brands with over $100,000 monthly revenue wanting clear borrower terms.
UK merchants wanting a published representative cost and a range of advance sizes.
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