Capital
Frequently asked questions

Stripe Capital FAQs

Get answers to common questions about Stripe Capital.

General

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 with at least 12 months of processing history will receive an email and Dashboard notification if they have an offer available. If you don't have an offer available, you can register your interest here and we'll prioritize your request if you become eligible for a loan.

How does repayment work?

Repayment is collected automatically through a percentage of Stripe sales, which means you pay down more when business is busy and less if things slow down. As long as you meet your minimum payment requirement every 60 days, what you pay each day adjusts to your sales.

Do I have to pay interest?

The cost of the loan is one flat fee that doesn't change. You won't pay any interest on top of this fee.

Will applying for a loan through Stripe Capital affect my credit rating?

No. All offers are based solely on the transaction history and volume of your Stripe account. Applying for a loan doesn't require a credit check.

Can I request a different offer amount?

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

When do I need to pay the loan fee?

You'll automatically repay both the loan and the loan fee through a percentage of your sales until the total amount owed is repaid. The loan fee is not charged up-front.

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 in 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 back into the Capital tab of your Dashboard to see if you have another offer.

Am I eligible for a new offer while I'm paying down an existing loan?

You're only eligible for a new offer once you've paid down your existing loan. However, users with strong paydown performance may be eligible for additional funds as they pay down an existing loan. You'll receive an email and Dashboard notification if you're eligible for these additional funds.

Can I pay down my loan early?

Yes, you can pay down the total amount owed in full at any point. There are no additional fees for early repayment. Please contact support if you're interested in early repayment.

Will 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.

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

What happens if my revenue slows down?

The repayment rate is a fixed percentage of your sales volume and dynamically adjusts to your company's performance. As long as you meet the minimum payment requirement, the amount you pay on any given day will adjust to your sales.

How do I manage or disconnect my bank connections?

You always have control over the accounts that you share with Stripe. You may choose to disconnect any linked accounts at any time. To manage your linked accounts, please contact support.

Minimum payments

What is a minimum payment?
A minimum payment is the minimum amount that you're expected to repay every 60 days such that the maximum duration of the loan does not exceed 18 months. If the total amount that you repay through payments deducted from your sales in a 60-day period falls below the minimum payment requirement, you must pay the remaining amount at the end of the period. You can view your minimum payment amount in the Dashboard or in your loan agreement.
How do I make my minimum payment?
If your payments deducted from sales cover the minimum payment requirement for the 60-day period, no action will be taken. If you have not met the minimum payment amount by the end of the 60-day period, Stripe will automatically deduct the balance needed to meet your minimum payment. We'll do this by taking the payment directly from your Stripe account balance or debiting your bank account. The minimum payment collection process is automatic—there's no action needed on your part.
What happens if I can't make a minimum payment on time?
Reach out to support and we'll work with you to help you meet your obligation.
Can I get ahead on my minimum payment schedule?
No, exceeding your minimum payment in one 60-day period does not cause the extra funds to transfer to the next period.
What happens if I miss multiple minimum payments?
We'll work with you to help you get back on track and meet your loan obligations. If you continue to miss your minimum payments, we may take additional action, as detailed in your loan contract.

Examples

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

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

  • Your minimum payment amount is $2,000 for the 60-day period ending on March 1st.
  • In that period, you repaid $2,500 of your loan balance, via Stripe deducting a fixed percentage of your processing volume.
  • You have successfully met your minimum payment and no action will be taken at the end of this 60-day period.
  • In the next 60-day period, you will still be required to meet the minimum payment of $2,000.

Example 2: You do not meet your minimum payment through daily sales deductions.

  • Your minimum payment amount is $2,000 for the 60-day period ending on March 1st.
  • In that period, you repaid $1,500 of your loan balance, via Stripe deducting a fixed percentage of your processing volume.
  • On March 1st, you will be required to pay the remaining balance of your minimum payment, which in this case is $500 ($2,000 - $1,500 = $500).
  • On March 1st, Stripe will automatically deduct $500 from your Stripe account balance or debit $500 from your bank account to meet your minimum payment.
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