Stripe Capital FAQs

    Get answers to common questions about Stripe Capital.

    General

    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 the loan 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 loan out?

    You may be eligible for additional funds as you pay down your initial loan. 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. If you don't have an offer available, you can register your interest and we'll prioritize your request if you become eligible for a loan.

    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 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.

    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. As long as you meet the minimum payment requirement, the amount you pay on any given day will move with your sales.

    Minimum payments

    What is a minimum payment?
    A minimum payment is the minimum amount that you're expected to pay to Stripe Capital every 60 days for the duration of your loan. If the total amount that you repay Stripe Capital through payments deducted from your sales in a 60-day period falls below the minimum payment requirement, you will be required to pay the remaining amount at the end of the period. You can see your minimum payment amount by reviewing your Stripe Capital loan agreement or by visiting your Stripe Dashboard.
    When do I have to make my minimum payments?
    Minimum payments are due every 60 days for the duration of your loan. If you've exceeded the minimum payment requirement for the current 60-day period with your payments deducted from your sales, then you won't need to make an additional payment for that period. Check your Dashboard to see your payment schedule.
    Why do I have to make minimum payments?
    Minimum payments ensure that you're tracking toward repaying your full loan on time.
    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?
    Keep an eye out for contact from the Stripe Capital team. 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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