Clearco

Clearco (formerly Clearbanc) is a Toronto-based fintech that provides non-dilutive, revenue-based working capital to ecommerce and direct-to-consumer brands. Founders connect the sales, advertising and banking platforms they already run on — Shopify, Amazon, Stripe, PayPal, Square, BigCommerce — and Clearco underwrites from that data, funding inventory and marketing spend as a cash advance or as invoice funding, in as little as 24 hours, without equity dilution. The company was founded in 2015 as Clearbanc, rebranded to Clearco in 2021, and reports having deployed more than $3.3 billion to over 10,000 businesses.

Clearco is profiled on the APIs.io network. Tagged areas include Company, Finance, Financial-Services, Fintech, and Lending.

Clearco’s developer surface includes engineering blog and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
14.1/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
0 APIs
CompanyFinanceFinancial-ServicesFintechLendingWorking CapitalRevenue-Based FinancingInvoice FundingE-Commerce

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 14.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.5 / 20
Access Clarity 5.5 / 20
Operational Transparency 2.4 / 13
Contract Governance 0.0 / 12
Discoverability 5.7 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/clearbanc: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Clearbanc Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login
Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: clearbanc
name: Clearco
description: Clearco (formerly Clearbanc) is a Toronto-based fintech that provides non-dilutive, revenue-based working capital
  to ecommerce and direct-to-consumer brands. Founders connect the sales, advertising and banking platforms they already run
  on — Shopify, Amazon, Stripe, PayPal, Square, BigCommerce — and Clearco underwrites from that data, funding inventory and
  marketing spend as a cash advance or as invoice funding, in as little as 24 hours, without equity dilution. The company
  was founded in 2015 as Clearbanc, rebranded to Clearco in 2021, and reports having deployed more than $3.3 billion to over
  10,000 businesses.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://cdn.prod.website-files.com/65fde10e62e6a7603e9221cc/660190120ed591c2ca6658f4_clearco-logo-black.png
url: https://raw.githubusercontent.com/api-evangelist/clearbanc/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.23'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Company
- Finance
- Financial-Services
- Fintech
- Lending
- Working Capital
- Revenue-Based Financing
- Invoice Funding
- E-Commerce
tags_raw:
- Company
- Finance
- Financial Services
- Fintech
- Lending
- Working Capital
- Revenue Based Financing
- Invoice Funding
- Ecommerce
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.clear.co/
- type: Blog
  url: https://www.clear.co/blog
- type: Login
  url: https://my.clearbanc.com/login
- type: TermsOfService
  url: https://www.clear.co/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.clear.co/legal/privacy-policy
- type: GitHubOrganization
  url: https://github.com/clearbanc
- type: StatusPage
  url: https://status.clear.co/
- type: Lifecycle
  url: lifecycle/clearbanc-lifecycle.yml
- type: LLMsTxt
  url: llms/clearbanc-llms.txt
- type: DomainSecurity
  url: security/clearbanc-domain-security.yml
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 3
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: 'Clearco runs a real partner API — api.clearbanc.com answers 403 "RBAC: access denied" on every path, and its developer
    documentation host docs.clearbanc.com returns a Cloudflare Access SSO interstitial for the root and for /openapi.json,
    /swagger.json, /api-docs and /.well-known/*, so no contract, reference or auth description is readable without a partner
    identity.'
  evidence:
  - url: https://docs.clearbanc.com/
    status: 403
  - url: https://docs.clearbanc.com/openapi.json
    status: 403
  - url: https://api.clearbanc.com/openapi.json
    status: 403
  - url: https://www.clear.co/developers
    status: 404
  - url: https://www.clear.co/llms.txt
    status: 200
  checked: '2026-08-09'

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