Launch a financing program in days
Build and monetize a program that gives your customers access to fast financing. With Stripe Capital, there’s minimal effort and no risk of credit losses, freeing you to focus on meeting your customers’ needs while creating a new revenue stream.
Drive user growth and retention
Provide access to financing so that businesses on your platform can better manage cash flow and invest in growth. Attract more customers, improve retention, and increase user lifetime value.
Access built-in financing with Stripe Connect
Platforms on Connect can get started with a single integration. With unique access to payments data, Stripe Capital manages the entire financing cycle, from underwriting to funds disbursal to automatic payments.
Create a seamless user experience
We’ve simplified the application process and payments are automatic, so businesses never have to think about their next payment. 98% of those surveyed say they’d take additional financing from Stripe Capital.
Monetize financing without risk
Turn on a new revenue stream for your business. Earn a revenue share on all loans or merchant cash advances, with zero credit loss liability.
Why Stripe Capital
Accelerate growth for you and your customers
77%
of small businesses have just enough cash to remain operational
95%
of surveyed users who financed with Stripe Capital would recommend it
68%
of users took out financing for working capital like equipment, inventory, or cash flow management
98%
of surveyed users, if given the option, would take another offer from Stripe Capital
Integration options
Choose your integration option
Stripe-hosted
- No engineering time required
- No marketing resources required
- Stripe handles customer support
Embedded components
- 1–2 days’ engineering work
- Light marketing and design
- Stripe handles customer support
Stripe API
- 1+ weeks’ engineering work
- Medium marketing and design
- Stripe handles customer support
Embedded components
Easily customizable to align with your brand
What’s included
A complete financing program through a single integration
We’ll do all the heavy lifting. Stripe Capital absorbs the complexity and financial risk of financing, so you can focus on building your business.
User experience
- Short and easy application
- Funds arrive in 1–2 days
- Automated payment via a percentage of sales
Funding compliance
- Financing issued by financial partners
- Guidelines for marketing your program
- Compliance program covering the entire financing cycle
Underwriting
- Cash flow forecasting
- Credit risk assessment
- Daily user qualification
- Tailored offer terms
Servicing
- In-house financing servicing team
- Support available to users across the entire financing cycle
- Payment deferment options
Revenue share
Turn financing into a new revenue stream for your business by earning a share of every loan or advance extended through Stripe Capital.
Zero liability
You won’t bear any financial liability for credit losses—all credit losses are absorbed by Stripe Capital.
Read case studyCash flow is critical for home service businesses, whether they need to invest in equipment or plug a receivables gap to meet payroll. Our partnership with Stripe Capital enabled us to stand up a lending platform with ease. Our customers love that the loan is repaid automatically through a percentage of their sales.
Read case studyWith Stripe, we can drive business into auto shops and act as a financial partner for our clients and their shops. In addition, working with a plug-and-play solution like Stripe requires minimal development and allows us to add real value to our clients.
Read case studyPartnering with Stripe makes a world of difference. Their technology and compliance infrastructure allows us to concentrate on serving our customers with purpose-built solutions that help us become the only software that field service businesses need to succeed.
Read case studyStripe has been fantastic in helping us find ways to use the technology to deliver more value to our customers and develop forward-looking solutions… that anticipate our customers’ needs and empower them to thrive in the rapidly evolving landscape of auto repair.