TL;DR
It's a tie! Both score 4/5 stars.
Choose Clearco if you need E-commerce brands needing fast, flexible capital for invento,
or Unit if you need Fintechs and businesses wanting to embed bank accounts, card.
⬇ Scroll for full 20-point audit
Best For
Clearco
vs
Unit
E-commerce brands needing fast, flexible capital for invento...
vs
Fintechs and businesses wanting to embed bank accounts, card...
Fee Structure
Clearco
vs
Unit
Custom pricing based on funding structure (Fixed or Rolling)...
vs
B2B platform; custom pricing based on transaction volume and...
Rating
Clearco
vs
Unit
4/5 ★
vs
4/5 ★
Clearco
E-commerce Revenue-Based Financing
Best For
E-commerce brands needing fast, flexible capital for inventory, ads, and launches without blanket liens or personal guarantees
Core Fee
Custom pricing based on funding structure (Fixed or Rolling), deployment (Cash Advance or Invoice Funding), and payment terms
Settlement
Get funded in as little as 24 hours once approved; weekly payments capped and predictable; funding refreshes automatically as you pay
Unit
Embedded Banking & Card Infrastructure (BaaS)
Best For
Fintechs and businesses wanting to embed bank accounts, cards, and payment capabilities into their products
Core Fee
B2B platform; custom pricing based on transaction volume and services
Settlement
Real-time account opening and transaction processing; API-first infrastructure; instant card issuance
What This Audit Doesn't Cover:
Real-time currency fluctuations, promotional offers, region-specific pricing, or temporary fee waivers.
Always verify current rates, fees, and features directly with Clearco and Unit
before making any financial decision.
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
| Audit Criterion | Clearco | Unit |
|---|---|---|
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars) |
||
| Cost Structure & Fees | ||
Transaction FeesPer-transfer costs, domestic & international |
Custom pricing based on funding structure (Fixed or Rolling), deployment (Cash Advance or Invoice Funding), and payment terms | B2B platform; custom pricing based on transaction volume and services |
FX / Conversion SpreadMarkup above mid-market exchange rate |
Clearco charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Unit charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Account MaintenanceMonthly or annual account-keeping charges |
Custom/tiered pricing — Clearco's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up |
Custom/tiered pricing — Unit's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up |
Card Issuance FeesVirtual and physical card creation costs |
Clearco does not primarily offer physical cards — access is digital-first.
Check Clearco app for current card fees |
Unit offers virtual cards.
Check the Unit app under card settings for current issuance fees.
Check Unit app for current card fees |
| Settlement Speed & Reliability | ||
Domestic SettlementLocal bank transfer completion time |
Clearco
Get funded in as little as 24 hours once approved; weekly pa
VS
Unit
Real-time account opening and transaction processing; API-fi
✓ Unit is faster (instant vs Get funded in as little as 24 )
|
|
Cross-Border SpeedInternational corridor settlement time |
Clearco supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Unit supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Uptime / ReliabilityReported annual platform availability rate |
Clearco publishes service status updates on its official status page for transparency.
Check Clearco status page for incident history |
Unit publishes service status updates on its official status page for transparency.
Check Unit status page for incident history |
| Security & Regulatory Standing | ||
Regulatory LicensesGoverning bodies and jurisdictions |
No blanket liens or personal guarantees; used by 10,000+ e-commerce brands; backed by founders including Bala Bangles, Retrofête, Larroudé, Diggs; transparent capped weekly payments
✓ Licensed |
Banking via partner FDIC-insured institutions; regulatory compliance; standard BaaS security and fraud prevention
✓ Licensed |
Deposit InsuranceGovernment-backed protection scheme |
Clearco holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Clearco |
FDIC insured — your funds are protected up to applicable limits.
Verify current coverage directly with Unit |
2FA & AuthenticationMulti-factor security implementation |
Clearco supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Unit offers multi-factor authentication. Enable 2FA in account security settings. Biometric and PIN options vary by device.
Enable 2FA immediately after opening your account |
Fraud DetectionAI/ML-powered transaction monitoring |
Clearco employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
Unit monitors transactions for anomalies in real time. You can freeze your card instantly from the app.
✓ Real-time monitoring |
| Features, Limits & Access | ||
Ideal Use CasePrimary audience and core value proposition |
Clearco
E-commerce brands needing fast, flexible capital for inventory, ads, and launches without blanket liens or personal guarantees
Best for individuals
Unit
Fintechs and businesses wanting to embed bank accounts, cards, and payment capabilities into their products
Best for businesses
|
|
Platform ClassificationRegulatory and product category |
E-commerce Revenue-Based Financing | Embedded Banking & Card Infrastructure (BaaS) |
Withdrawal LimitsDaily / weekly transfer and cash-out caps |
Clearco withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Unit applies daily and monthly withdrawal limits based on your account verification tier.
Log in to see your current limits |
Supported CurrenciesFiat and digital asset coverage |
Clearco supports the currencies and assets listed in its official documentation.
Check Clearco official site for full currency list |
Unit supports the currencies and assets listed in its official documentation.
Check Unit official site for full currency list |
| User Experience & Support | ||
App Store RatingAggregate iOS + Android user satisfaction |
Clearco app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Unit is available on both iOS and Android. Rating varies by region.
Verify live ratings on the App Store |
Customer SupportAvailable resolution pathways and SLA |
Clearco offers support through its help centre and official contact channels.
Check Clearco help centre for current support options |
Unit offers in-app support and email. Response times may vary by account tier.
Check Unit help centre for current support options |
KYC Verification SpeedAccount activation timeline post-submission |
Clearco KYC timelines depend on document quality and account type.
Verify current wait times in the Clearco app |
Unit typically verifies personal accounts within minutes to 24 hours with a valid ID.
Verify current wait times in the Unit app |
Overall VerdictWealthBlueprint independent recommendation |
IT'S A TIE — both score 4/5 stars.
Choose Clearco if you need: E-commerce brands needing fast, flexible capital for inventory, ads, and launches without blanket liens or personal guarantees. Choose Unit if you need: Fintechs and businesses wanting to embed bank accounts, cards, and payment capabilities into their products. ➜ Your choice depends on your specific needs |
|
Official WebsiteVisit platform to sign up or verify current fees |
Visit Clearco ↗ | Visit Unit ↗ |
Choose Clearco If:
- You need E-commerce brands needing fast, flexible capital for inventory, ads, and launches without blanket liens or personal guarantees
- You prefer Custom pricing based on funding structure (Fixed or Rolling), deployment (Cash Advance or Invoice Funding), and payment terms
- You value Get funded in as little as 24 hours once approved; weekly payments capped and predictable; funding refreshes automatically as you pay
Choose Unit If:
- You need Fintechs and businesses wanting to embed bank accounts, cards, and payment capabilities into their products
- You prefer B2B platform; custom pricing based on transaction volume and services
- You value Real-time account opening and transaction processing; API-first infrastructure; instant card issuance
WealthBlueprint Verdict Summary
Clearco — Best For
E-commerce brands needing fast, flexible capital for inventory, ads, and launches without blanket liens or personal guarantees
✓ Strong in its core category
Unit — Best For
Fintechs and businesses wanting to embed bank accounts, cards, and payment capabilities into their products
✓ Strong in its core category
Not sure which is right for you?
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