Stripe Capital FAQs

    Get answers to common questions about Stripe Capital.

    After I accept an offer, how quickly will I get my funds?

    After being approved, you’ll see the funds in your Stripe account typically the next business day.

    Do I have to pay interest?

    The cost of your advance is one fixed fee that does not change. You won’t pay any interest on top of this fixed fee.

    Will this affect my credit rating?

    No. All offers are based solely on the transaction history and volume of your Stripe account, therefore there is no credit check for accepting an offer or checking your eligibility.

    Can I adjust my offer?

    When you log into the Capital tab of your Dashboard, you’ll be able to select from three different offers. If you’d like a different amount, you may request any amount up to the maximum offer that appears in your Dashboard by contacting support. The fixed fee and repayment rate will adjust to your new offer.

    What happens when my offer expires?

    Your offer is available for 30 days. After that point, your business will automatically be re-evaluated to see if you’re eligible for additional offers. If you’re seeking financing at a later time, check back into the Capital tab of your Dashboard to see if you have another offer.

    Can I receive an additional offer while I have an existing advance out?

    You may be eligible for additional funds as you pay down your initial advance. You will receive an email and Dashboard notification if you’re eligible.

    How do you determine who qualifies for an offer?

    Eligibility is determined based on a combination of factors, including overall processing volume and history on Stripe. Eligible U.S. businesses will receive an email and Dashboard notification if they have an offer available.

    How is a merchant cash advance different from a loan?

    Stripe Capital offers access to both merchant cash advances and loans. With a merchant cash advance, your business sells Stripe a portion of your future sales. As part of the sale, Stripe advances you a lump sum that works in a similar manner to receiving funds from a loan. You’ll pay the same fixed fee and the same percentage of your sales will go toward repaying the advance, but unlike a loan, a merchant cash advance has no set repayment term.

    Your dashboard displays whether your offer is for a merchant cash advance or a loan, with more details available in your contract. Which one you qualify for depends on the specifics of your business.

    What happens if my revenue slows down?

    The repayment rate is a fixed percentage of your sales volume and will dynamically adjust to your company's performance. That means when sales increase, you’ll pay the advance down faster. On slower days, you’ll pay less.

    Can I pay down my advance early?

    Yes, you can pay down your advance in full at any point. There are no additional fees for early repayment. Please contact support for more information.

    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, Stripe Capital funds would not be considered taxable income at the time of receipt, and the amounts withheld to satisfy your obligations are not tax deductible.

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