Part of Stripe

Stripe Capital

Founded by Patrick Collison in 2016

Get business loans and cash advances repaid through daily sales

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Cost

Paid

Rating

★ People love it

Time to value

Quick Setup (< 1 hour)

You can use Stripe Capital to access small business loans and merchant cash advances without a lengthy application or personal credit check. Funds typically arrive the next business day directly into your Stripe account. Repayment is automatic — Stripe deducts a fixed percentage of your daily sales until the balance is paid. There are no compounding interest charges or late fees, just a single flat fee set when you accept the offer. Eligibility is based on your payment volume and history on Stripe.

What Stripe Capital does

Check loan eligibility directly in the Stripe DashboardSelect a funding amount and review the flat fee and repayment rateReceive funds into your Stripe account the next business dayRepay the loan automatically through a fixed percentage of daily salesMonitor remaining balance and repayment progress in the Stripe DashboardAccess new offers daily as eligibility updates based on sales historyOffer financing to platform customers using Stripe Capital for Platforms APIApplies through your existing Stripe Dashboard — no separate application processRepayment automatically deducted as a fixed percentage of daily Stripe salesFunds deposited into your Stripe account typically the next business daySingle flat fee with no compounding interest or late feesNo impact on personal credit score during applicationEligibility checked daily so offers update based on recent sales performanceFinancing for platforms — businesses can offer Capital to their own customers via API

Tutorials & Demos

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