About
Stripe Capital provides access to fast, flexible financing so you can manage cash flow and invest in growth. Access to capital can be one of the most limiting growth factors. With Stripe Capital, you can help jump start your business with flexible, on-demand financing. No lengthy application or personal credit check required—eligible businesses are automatically pre-qualified and can receive funds in as soon as two business days after you’re approved. Get the financing you need today with Stripe Capital.
Benefits
- No lengthy application: There’s no personal credit check and no complicated application process. Eligibility is based on factors like your payment volume and history on Stripe.
- Get funds quickly: Funds typically arrive in as soon as 2 business days, directly into your account.
- One flat fee: Pay one flat fee that never changes. There are no compounding interest charges or late fees.
- Pay when you get paid: Repayment is fully automated and adjusts to your daily sales. Stripe deducts a fixed percentage of your sales until the total owed is repaid. Every loan has a minimum payment amount (usually due every 60 days). If the total amount repaid through sales doesn’t cover the minimum, you need to pay the remaining balance at the end of the period. Automated repayments count towards this minimum.
How it Works
- 1. Check your eligibility: Check your email to see if you’re eligible for an offer based on factors that include your payment volume and history on Stripe Capital's payment solution.
- 2. Select your offer: Select the amount that’s right for your business needs. The loan fee and repayment rate are set based on the loan amount.
- 3. Receive your funds: After your application is reviewed, if you're approved the funds are deposited into your account, typically as soon as 2 business days.
- 4. Pay down as you earn: You’ll automatically repay the loan with a fixed percentage of your daily sales, until the total amount is repaid. Every loan has a minimum payment amount (usually due every 60 days). If the total amount repaid through sales doesn’t cover the minimum, you need to pay the remaining balance at the end of the period. Automated repayments count towards this minimum.
Eligibility is based on a combination of factors, such as your payment history on Stripe Capital. If you’re eligible for an offer, we’ll send you an email. If you haven’t received any notification from us, that means you’re not eligible for an offer at this time. If you’d like to receive a financing offer, but aren’t eligible at this time, we recommend migrating more of your business’ payments to Stripe Capital. While not guaranteed, increased payment volume and your history with Stripe Capital might increase your likelihood of getting a financing offer.
Requirements:
- Be based in the US. Stripe Capital only supports businesses located or incorporated in the US. Funding might not be available in certain states due to local rules and regulations.
- Have processed payments on Stripe for 9 months or more.
- Have a processing volume of 5,000 USD minimum per year.
- Be in good standing with Stripe Capital. If your business previously applied for a Capital loan and was rejected, you’re not eligible to receive a new loan offer for 30 days.
Loans are issued by Celtic Bank and powered by Stripe. All loans are subject to credit approval.