Stripe Capital FAQs

Get answers to common questions about Stripe Capital.

General

How do you determine who qualifies for an offer?
We determine eligibility using a combination of factors, including overall processing volume and history on Stripe. Eligible US businesses with at least 6 months of processing history receive an email and Dashboard notification if they have an offer available.
Will applying for a loan through Stripe Capital affect my credit rating?
Applying for a loan doesn’t require a personal credit check and won’t affect your personal credit score.
How does Stripe Capital help me build the credit history for my business?
Stripe Capital reports loan performance for US businesses to the Small Business Financial Exchange. They use this information to build a financial profile for your business, and it can help your business get access to credit with other providers.
Can I request a different offer amount?
When you log into the Capital tab of your 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 choose.
After I accept an offer, how quickly will I get my funds?
After you accept an offer, we’ll review your application. If you’re approved, you’ll see the funds in your Stripe account, typically within 1–2 business days.
What happens when my offer expires?
Your offer is available for 30 days. After that point, your business is automatically re-evaluated to see if you’re eligible for an additional offer. If you’re seeking financing at a later time, check the Capital tab of your Dashboard to see if you have another offer. We’ll also send you an email if you have an offer.
Am I eligible for a new offer while I’m paying down an existing loan?
Your account is evaluated for additional funds when you’ve repaid at least 75% of your loan. Be aware that making a manual payment to repay 75% of your loan doesn’t automatically qualify you for a new offer. If you receive offers through a Stripe Capital partner platform, you may have to fully pay down your loan before you’re eligible for another offer.
How should I report Stripe Capital funds on my taxes?
Tax reporting is often dependent on your specific situation, so we encourage you to talk with a tax advisor to ensure appropriate accounting. In general, funds through Stripe Capital wouldn’t be considered taxable income at the time of receipt, and the amounts withheld to satisfy your obligations aren’t tax deductible.
How do I manage or disconnect my linked accounts?
You always have control over the accounts that you share with Stripe. You can disconnect your linked accounts at any time. Manage your linked accounts

Repayment

What is the total cost of the loan?
The total amount you owe is your loan amount plus a flat fee. You won’t pay any interest or any other fees, for example, late fees, early payment fees, or origination fees.
How does repayment work?
We collect repayment automatically through a percentage of your Stripe sales, known as the repayment rate. This means you pay down more when business is busy and less if things slow down.
How is my fee calculated?
We evaluate your business daily for eligibility, which includes your flat fee pricing, based on your processing volume and history on Stripe. While many traditional loans have hidden fees or compounding interest, Stripe Capital loans have a single flat fee that you pay back over the length of the loan. You don’t pay interest over time, and we don’t charge early payment fees or late fees.
When do I need to repay the amount I owe?
You’ll automatically repay both the loan and the fee through a percentage of your sales (your repayment rate) until you repay the total amount you owe. The loan fee isn’t charged upfront.
Can I pay down my loan early?
Yes, you can make additional payments or pay the total amount you owe in full at any point by clicking Make Payment in the Capital tab of your Dashboard. We don’t charge any fees for early repayment.
Does paying down my loan early qualify me for a new offer?
After you pay down your loan, you’ll automatically be evaluated for a new offer. Paying down your loan early doesn’t automatically qualify you for a new offer.
What happens if my revenue slows down?
The repayment rate is a fixed percentage of your sales volume. As long as you meet the minimum, the amount you pay adjusts to your sales.

Minimums

What is a minimum?
A minimum is the amount that you’re required to repay every payment period. Stripe automatically deducts a percentage of your sales, the repayment rate, which counts towards your minimum. If the total amount that you repay through sales doesn’t meet the minimum, you must pay the remaining amount at the end of the period. You can view your minimum in the Capital tab of your Dashboard or in your loan agreement.
Why does Stripe Capital have minimums?
Minimums ensure you repay your loan within 18 months, in line with your loan term.
How do I pay my minimum?
Stripe automatically deducts a percentage of funds (that is, the repayment rate) from your sales, which counts towards your minimum. If you haven’t met the minimum by the end of each payment period, Stripe automatically debits the balance needed to meet your minimum from your bank account. The minimum payment process is automatic and requires no action on your part. You can also make manual payments towards your minimum through your dashboard following the Make payment option.
What happens if I can’t meet a minimum on time?
Reach out to support, and we’ll work with you to help you meet your obligation.
What happens if I miss my minimums for multiple payment periods?
We’ll work with you to help you get back on track and meet your loan obligations. If you continue to miss your minimums, we may take additional action, as detailed in your loan contract.
What happens if I meet my minimum for the payment period?
If you’ve satisfied the minimum for the current period, we will continue to withhold repayments from your daily sales.
How do you apply repayments to my loan balance and my minimum?
We first apply your loan repayments to repay the past due balance, if any, and then to pay down your balance in the current payment period. We don’t apply repayments above your minimum to your future payment periods.

Examples

Here are two example scenarios to help you understand how the minimum payment process works.

Example 1: You successfully meet your minimum through daily sales deductions.

Your minimum amount is 2,000 USD for the 60-day period ending on March 1.
In that period, you repaid 2,500 USD of your loan balance through Stripe deducting a fixed percentage of your sales volume (the repayment rate).
You’ve successfully met your minimum. We will continue to withhold repayments during this payment period to pay down your total loan balance.
In the next 60-day period, you still must meet the minimum of 2,000 USD.

Example 2: You don’t meet your minimum through daily sales deductions.

Your minimum is 2,000 USD for the 60-day period ending on March 1.
In that period, you repaid 1,500 USD of your loan balance through Stripe deducting a fixed percentage of your sales volume (the repayment rate).
On March 1, you’ll be required to pay the remaining balance of your minimum, which in this case is 500 USD (2,000 USD - 1,500 USD = 500 USD).
On March 1, Stripe will automatically debit 500 USD from your bank account to meet your minimum.

Collateral

Is collateral required to obtain a Stripe Capital loan?
In general, Stripe Capital doesn’t require collateral for loans in the amount of 150,000 USD or less or for loans in good standing. For loans with amounts over 150,000 USD or certain delinquent loans, we might file a UCC-1 statement in the state where your business is located to take a security interest in your business assets.
What is a UCC statement?
A UCC-1 statement is a publicly available notice filed by a creditor that secures the creditor’s interest in certain assets of a debtor. Creditors file UCC-1 statements with the secretary of state where a business debtor is incorporated at the time a loan first originates.
How do I get a UCC filing released after Stripe Capital filed a UCC-1 statement on my business?
After you finish paying off your loan, you can reach out to us with a request to terminate a UCC-1 filing.
What if I was asked about a UCC lien but I don’t recognize the secured party?
Creditors sometimes use a third party to file and maintain lien positions as the registered agent of the creditor. Wolters Kluwer is Stripe Capital’s third-party representative. If you’re unsure of what creditor the third party is acting on behalf of, we recommend that you contact the third party directly.