How it works
Fast funding and flexible payments*
Simplified application process
Apply in a few clicks! Eligibility is based on factors like your payment volume and history on MyStudio.
Get funds quickly
If you’re approved, receive your funds in as little as one to two business days directly into your linked account
Clear terms–no surprises
You’ll view terms up front when you select the offer amount that’s right for your business, so you’ll know exactly what to expect from Stripe Capital.
Pay as you earn for stress-free financing*
With Stripe Capital, you automatically pay the loan or merchant cash advance with a fixed percentage of your daily sales in MyStudio until the total amount is paid.
Use funds to support your business’s growth
Fast funding and flexible payments*If approved, access flexible financing for anything your business needs.
Invest where it matters most, whether that’s purchasing equipment or new inventory, investing in marketing, or managing cash flow, Stripe Capital gives you the financial support to grow.
Tailored solutions for your business – funding offers are based on your business’s performance data, providing personalized offers to meet your specific business needs.
Customize the size of your financing offer based on your business needs. You’ll only pay the cost of your financing plus one flat fee that never changes, there are no compounding interest charges or late fees.
Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances. See your Dashboard for the terms of your offer.
FAQs
How does Stripe Capital determine who qualifies for an offer?
Eligibility is determined by Stripe based on a combination of factors, including overall sales volume and history of Stripe payments from Stripe Capital. Eligible US businesses will receive an email from Stripe if they have an offer available.
Do I have to pay interest on Stripe Capital financing?
No, you’ll pay one flat fee that does not change. You won’t pay any interest on top of this fee.
Will applying for an offer affect my personal credit rating?
Applying for financing through Stripe Capital might include a personal credit check under some circumstances, but this credit check doesn’t affect your personal credit score. If a personal credit check is required you will be notified during the application process. All offers are determined by Stripe based on a number of factors, including order volume and your history of orders on Stripe through Stripe Capital.
Can I request a different offer amount?
After clicking the link in your capital offer email, you will be able to review the offer, and can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment rate adjust based on the amount you choose.
When do I need to pay the flat fee to Stripe Capital?
The flat fee is included in your payment total so you'll automatically pay it through a fixed percentage of your sales until the total amount is paid to Stripe Capital.
How does payment work?
Payment is collected automatically by Stripe Capital through a percentage of your Stripe Capital sales as they are processed. Stripe Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn’t meet the minimum your account will be automatically debited the remaining amount at the end of the period. If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process.
After I accept an offer, how quickly will I get my funds from Stripe Capital?
If your application is approved, you’ll see the funds from Stripe Capital in your bank account typically in as soon as 2 business days. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method. This needs to be done through Stripe.
Can I have my Stripe Capital funds paid out to a card?
Stripe currently does not support the disbursal of funds to a card. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method on Stripe.
What happens when my Stripe Capital offer expires?
Each Stripe Capital offer is available for 30 days. After that point, your business will automatically be re-evaluated by Stripe Capital to see if you are eligible for an additional offer.
Can I pay my financing early?
Yes, you can make additional payments or pay the total amount financed to Stripe Capital in full at any point by clicking the Make Payment button in your Stripe Capital dashboard. There are no additional fees for early payment.
Will paying early qualify me for a new offer from Stripe Capital?
Once you pay the total amount financed, you’ll automatically be evaluated for a new offer by Stripe Capital. Paying early does not automatically qualify you for a new offer.
Who can I contact to learn more about the Stripe Capital program?
If you have additional questions about how the financing program through Stripe Capital works, you can contact our Stripe partners directly at capital-support@stripe.com.
How should I report these funds on my taxes?
Tax reporting is often dependent on your specific situation, so we encourage you to talk with a tax advisor to ensure appropriate accounting. In general, Stripe Capital funds would not be considered taxable income at the time of receipt and the amounts withheld to satisfy your obligations are not tax deductible.
Stripe Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn’t meet the minimum your account will be automatically debited the remaining amount at the end of the period. If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process.