Interfunding Agreements: The Ecommerce Founder’s Guide

Interfunding Agreements (IFA) Guide

Do You Need One Before Getting Clearco Funding?

Interfunding Agreements are important legal documents that are necessary to borrow funds from more than one lender. If you have a bank loan but need to expand your financial stack, it’s critical that you let your bank know this before starting the funding process with Clearco.

This quick guide walks you through:

What an IFA is and how to tell if you need one

6 questions to ask your senior lender before seeking additional financing

How Clearco makes the IFA process fast, easy, and seamless for ecommerce brands

Buyer’s Guide for Interfunding Agreements

Form
Monthly Revenue (USD)

Incorporation Country

Website URL Company name

What best describes your business?
Note: Today we only work with businesses selling products directly on their website.

Consent:
I agree to receive other communications from Clearco.

The Problem Scaling Ecommerce Brands Face
Most capital providers force businesses into a single, rigid model: a lump-sum advance with strings attached, a procurement tool that slows you down, or a financing product that only works in one channel.

The Solution

Clearco gives you complete control over how and when you deploy capital, so it moves at your pace, scales with your momentum, and never penalizes you for accelerating. Lower pricing. Higher funding capacity. Flexible funding that adapts to your reality.

Over $3B invested into 10,000 businesses

Read how some of the top ecommerce merchants are leveraging Clearco to scale their businesses.

“We’ve seen the biggest spikes the last 2 quarters, thanks in part to kicking off with Clearco. It’s helped us scale our marketing spend to reach more people more efficiently.”

— Mike O’Hagan

CMO of JOI

537%

boost in sales in under 9 months

How it Works

Mix and match deployment, structure, and payment options to create a capital strategy that adapts to your goals, and evolves as fast as your business.

Select a one-time, upfront amount for planned initiatives (Fixed Funding Capacity) or ongoing access that replenishes as you pay (Rolling Funding Capacity).

Decide whether capital should land directly in your account (Cash Advance) or flow directly to your suppliers (Invoice Funding).

Set your term (4, 5, or 6 months), pay weekly, and refresh funding capacity faster with the early payment option.

Flexible Funding Structures You Control

Every founder’s path is different. That’s why we built flexible options you can mix, match, and optimize.

Best For:
Supplier payments, cash flow planning
Why It Works:
Precise timing, no wasted capital.

Clearco Difference

Get funded with a capital partner that thinks like a founder: Strategic, Flexible, Competitive

FAQs

How fast can I get capital once I’m approved?

Most founders receive funding in as little as 24 hours.

How are Clearco’s rates structured?

Our pricing is fixed, transparent, and predictable. Rates are based on your business performance. As you grow and pay successfully, you can unlock better rates and more funding capacity.

Does Clearco require blanket liens or a personal guarantee?

No. Our funding is non-dilutive, with no personal guarantees.

What types of businesses do you fund?

We support DTC ecommerce businesses.

Can I access more capital as I make payments?

Yes. With our Rolling Funding Capacity option, every payment replenishes your available funding capacity, so you can access more capital without reapplying.

Your Growth Story Starts Here

Download the Guide