📝 Overview
Eligible US-based businesses can access fast, flexible financing through the Stripe Capital programme. If your business qualifies, Stripe will notify you by email. You can read more about this partnership here.
⚠️ Stripe Capital is currently available to US-based businesses only. Loans are issued by Celtic Bank and powered by Stripe. All loans are subject to credit approval.
🔑 Eligibility
Businesses are automatically reviewed for eligibility on a daily basis. Eligibility is based on a combination of factors, including your transaction volume and payment history. If your business qualifies, Stripe will send you an email with an offer to apply for financing.
📋 Offer Structure
If eligible, you will receive a personalised offer by email. Each offer outlines the following:
Financing amount - the dollar amount deposited into your bank account.
Flat fee - the one-time fee paid over time in exchange for the financing amount. There are no other fees or compounding interest.
Total amount owed - the sum of the financing amount and the flat fee.
Repayment rate - the percentage of your daily card transactions that will be withheld to repay the total amount owed.
Click the arrow to view an example offer
Click the arrow to view an example offer
Here is an example of what an offer might look like:
Financing amount: $17,000 USD
Flat fee: $1,700 USD
Total amount owed: $18,700 USD
Repayment rate: 12%
If the above offer was accepted and approved, $17,000 USD would be deposited into your bank account within 1–2 days alongside your usual payout.
Stripe would then withhold 12% of your daily transaction total, in addition to usual processing fees, until the full $18,700 USD was repaid.
💳 Repayment
Repayment happens automatically through a percentage of your daily transactions, in line with your agreed repayment rate. The process begins 1–2 business days after funds are deposited. The more card sales you process, the faster you repay.
If you want to repay faster or settle the outstanding balance in full, you can make a manual payment at any time by clicking the Make Payment button on your loan overview page in your Stripe Dashboard. There are no additional fees for early repayment.
💡 Repaying early does not automatically qualify you for a new offer. Accounts are reviewed for additional offers on a daily basis, and Stripe will contact you if a new offer becomes available.
✅️ Minimum Payments
A minimum payment applies per repayment period. The repayment period is determined during underwriting and is based on the total term of your loan offer. If your automatic repayments from sales cover the minimum payment requirement, no further action is needed.
If the amounts deducted from your sales fall below the minimum requirement for a given period, Stripe will automatically debit your bank account or account balance for the shortfall. You can view your minimum payment amount in your Stripe Dashboard or in your loan agreement.
❓ Frequently Asked Questions (FAQs)
Find answers to common questions or additional details that may not be covered in the main instructions.
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Click the arrow to view frequently asked questions
How is eligibility determined?
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Eligibility is based on a combination of factors, including your overall sales volume and payment history. If your business qualifies, you will receive an email from Stripe with an offer to apply.
How do I opt out of an offer?
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Click the arrow to see the answer
Click View my offer to open the message, then exit out. Once you do this, the message will no longer appear on your account.
Do I have to pay interest?
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No. You pay one flat fee that never changes. There is no interest charged on top of that fee.
Will applying affect my personal credit rating?
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No. There is no personal credit check. All offers are based on your payment history.
Can I request a different offer amount?
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When you log in to your Stripe Dashboard, you can use a slider to choose a custom amount up to the maximum offer amount. The loan fee and repayment rate adjust based on the amount you select.
When is the flat fee charged?
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The flat fee is included in your repayment total and is repaid automatically through a percentage of your sales over time. It is not charged upfront.
How does repayment work day-to-day?
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Repayment is collected automatically through a percentage of your daily sales as they are processed. This means you repay more on busy days and less when sales are slower. As long as you meet your minimum payment requirement, the daily amount adjusts to your sales volume.
What is a minimum payment?
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Click the arrow to see the answer
A minimum payment is the minimum amount you are expected to repay during each repayment period. The period is determined during underwriting. If your automatic repayments do not meet the minimum, Stripe will debit your bank account or account balance for the difference. You can view your minimum payment amount in your Stripe Dashboard or loan agreement.
What happens if I do not meet my minimum payment?
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If the payments deducted from your sales do not cover the minimum for the period, Stripe will automatically debit your bank account or account balance for the remaining amount. No action is needed from you.
How quickly will I receive my funds after accepting an offer?
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If your application is approved, funds typically appear in your bank account within 2 business days. To ensure successful disbursement, you must have a valid bank account set as your primary payout method.
Can I have my funds paid out to a card?
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No. Stripe does not currently support disbursement of funds to a card. A valid bank account must be set as your primary payout method.
What happens when my offer expires?
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Each offer is available for 30 days. After that, your business will automatically be re-evaluated for eligibility.
Can I repay my loan early?
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Yes. You can make additional payments or pay the total amount owed in full at any time by clicking the Make Payment button in your Stripe Dashboard. There are no additional fees for early repayment.
Will repaying early qualify me for a new offer?
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Once you repay the total amount owed, you will automatically be evaluated for a new offer. Repaying early does not automatically qualify you for one.
How should I report these funds on my taxes?
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Tax reporting depends on your specific situation, so we recommend speaking with a tax adviser for guidance. In general, Stripe Capital funds would not be considered taxable income at the time of receipt, and amounts withheld to satisfy your obligations are not tax deductible.
Who can I contact to learn more about Stripe Capital?
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For additional questions about the financing programme through Stripe Capital, contact Stripe directly at [email protected].