Capital
Get funding
Stripe Capital provides access to fast, flexible financing for you to grow your business.
Businesses on Stripe rank access to capital as their biggest obstacle to growth. Traditional lenders aren’t set up to serve internet businesses, typically requiring lengthy applications, complex collateral obligations, and fixed payment schedules. We built Stripe Capital to cut through the red tape. Our goal is to provide access to fast, flexible financing that helps online businesses invest in growth.
Get funds quickly
Eligibility is determined solely based on your history with Stripe. There’s no lengthy application process, and funds typically arrive the next business day.
One flat fee
We charge 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.
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, Xirsys
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, Prosper202
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, MyPark
With financing from Stripe Capital, we were able to buy inventory in bulk at a 33% discount, leading to our best year of sales yet.
David Cardell
Founder & CEO, Fleximug
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, Perfect Tux
How it works
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.
Select your offer
Select the amount that’s right for your business needs. The fixed fee and repayment rate are set based on the loan amount.
Receive your funds
After our team reviews your selection, the funds will be deposited into your Stripe account, typically the next business day.
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.
Daily Sales
12% to loan repayment
Day 1
No sales
Day 2
No sales
Day 3
No sales
Day 4
No sales
Day 5
No sales
Day 6
No sales
Day 7
No sales
$15,000 loan
$1,500 fixed fee
9% of sales toward repayment
$20,000 loan
$2,000 fixed fee
12% of sales toward repayment
$25,000 loan
$2,500 fixed fee
15% of sales toward repayment
All numbers shown are examples.