Products

Use cases

Get funding to grow your business

Stripe Capital provides access to fast, flexible financing so you can manage cash flows and invest in growth.

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 the next business day, directly into your Stripe account.

One flat fee

Pay one flat fee that never changes. There are no compounding interest charges, collateral obligations, 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.

How it works

Fast funding and flexible payments

1

Check your eligibility

Log in to your Dashboard to see if you’re eligible for an offer based on factors that include your payment volume and history on Stripe.
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 our team reviews your selection, the funds will be deposited into your Stripe account, typically the next business day.
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.
All numbers shown are examples.

Daily sales

  • 12% of sales toward repayment
$81 $108 $135

Day 1

$900

$117 $156 $195

Day 2

$1,300

$49 $66 $82

Day 3

$550

$103 $138 $172

Day 4

$1,150

No payment

Day 5

No sales

$72 $96 $120

Day 6

$800

$90 $120 $150

Day 7

$1,000

Stripe Capital helped us expand our global footprint. We used the advance to set up servers in China, India, and Japan, allowing us to reach customers all over the world. Since then, we’ve seen our annual revenue more than double.

Richard Blakely, Co-founder & CEO

Stripe Capital gave me runway to focus on building my product. I had extra resources to experiment and try new things to convert customers.

Nana Gilbert-Baffoe, Founder & CEO

We used Stripe Capital to scale the business by building and deploying additional MyPark machines, which started generating revenue immediately. We loved how the payback was integrated directly into our Stripe cash flows—it was effortless.

Luis Mayendia, Co-founder & CEO

I used the capital to buy additional inventory and invest in online advertising. I had my best peak season ever this year, and I know Stripe Capital helped me get there.

Steve Burton, Founder & CEO

Ready to get started?

Stripe Capital will initially be offered to select businesses in the US based on factors that include payment volume and history on Stripe. As we grow our program, this set will expand. Eventually, we hope to offer capital to virtually every business on Stripe.

FAQs

Learn more about Stripe Capital by reading our frequently asked questions.

Capital for platforms

Help your customers access the capital they need to accelerate growth.

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