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Business financing for your customers

Stripe Capital provides platforms with an end-to-end lending API that enables you to offer access to fast and flexible financing to help your customers grow their businesses.

Drive user growth and retention

Providing access to financing enables businesses on your platform to better manage cash flow and invest in growth. With Stripe Capital, you’ll be able to better attract, retain, and grow your customer base.

Built-in access through Connect

Connect platforms can get started with a single integration. With our unique access to payments data, Stripe Capital manages the entire lending cycle, from underwriting to funds disbursal to repayment.

Seamless experience for users

There’s no lengthy application process and repayment is automatic, so your customers never have to think about their next payment. 98% of users surveyed say they’d take another loan from Stripe Capital.

Earn revenue on every loan

Unlock a new revenue stream for your business. You’ll earn a revenue share on all loans extended, with zero financial liability on credit losses.

What’s included

A complete lending program through a single integration

We’ll do all the heavy lifting. Stripe Capital absorbs the complexity, compliance management, and financial risk of lending, so you can focus on building your business.

User experience

  • No lengthy application
  • Funds arrive in 1-2 days
  • Automated repayment via a percentage of sales

Funding & compliance

  • Loans issued by bank partner
  • Risk absorbed by investors
  • Compliance program covering the entire loan cycle

Underwriting

  • Cash flow forecasting
  • Credit risk assessment
  • Daily user qualification
  • Tailored offer terms

Servicing

  • In-house loan servicing team
  • Servicers available to users across the entire loan cycle
  • Payment deferral options

Revenue share

Stripe Capital provides platforms a revenue share on all loans extended, unlocking a new revenue stream for your business.

Zero liability

You won’t bear any financial liability for credit losses—all credit losses are absorbed by Stripe Capital.

Unified platform

Built on the Stripe network

Financial services on a unified payment stack

Stripe Capital works seamlessly with Connect to generate offers, disburse funds, and collect repayment, offering a quick application process and seamless user experience.

Underwriting powered by millions of Stripe businesses

Stripe Capital’s underwriting models are based on data from the millions of businesses processing on Stripe every day, enabling us to unlock more eligible businesses and offer affordable terms.

Get automatic upgrades

We’re constantly improving Stripe Capital, and you’ll get automatic access to every upgrade, from fine-tuned marketing optimizations to new product and geography releases.

Cash flow is critical for home service businesses, whether they need to invest in equipment or plug a receivables gap to meet payroll. Our partnership with Stripe Capital enabled us to stand up a lending platform with ease. Our customers love that the loan is repaid automatically through a percentage of their sales.

Sam Pillar, CEO, Jobber

Ready to get started? Get in touch.

Stripe Capital is currently available to Connect platforms with US-based customers.

Platform payments

Tools that let platforms and marketplaces easily support multi-party payments and get sellers in 35+ countries paid.

Issue cards for your business

Create, manage, and distribute virtual and physical cards.

Loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank Member FDIC. All loans subject to credit approval.