Business funding to support your growth
Access fast, flexible financing through Stripe Capital. Manage cash flow, get a business loan or merchant cash advance, and invest in what matters most to your business: growth.
Apply in a few clicks
Get the funding you need without the complexity. Apply for business loans and merchant cash advances in minutes, with no impact to your personal credit score.
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, or late fees.
Pay when you get paid
Payment is fully automated and adjusts to your daily sales. Stripe deducts a fixed percentage of your sales until the total balance is paid.
How it works
Fast funding and flexible payments
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
Choose the funding amount that’s right for your business. The financing fee and payment rate are set based on the funding amount you accept.
Receive your funds
After our team reviews your selection, the funds will be deposited into your Stripe account, typically the next business day.
Pay as you earn*
You’ll automatically pay for your business loan or merchant cash advance with a fixed percentage of your daily sales until the total amount is paid.
Daily sales
- 12% of sales toward payment
Day 1
$900
Day 2
$1,300
Day 3
$550
Day 4
$1,150
Day 5
No sales
Day 6
$800
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.
Stripe Capital gave me runway to focus on building my product. I had extra resources to experiment and try new things to convert customers.
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.
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.
Ready to get started?
Log in to your Dashboard to see your eligibility and view any current offers through Stripe Capital. Eligibility is updated daily, so check back regularly for new business loans or merchant cash advance opportunities.
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.