Stripe Capital review

Stripe Capital rates, fees and terms

Stripe doesn’t disclose the cost of its loans — but it does state that you will only be charged a flat fee. The example it provides on its website is for a fee of 10% of the loan amount. Some previous borrowers on forums like Reddit report that it varied for them based on how much they chose to borrow and the volume of sales they had previously processed through Stripe.

Because repayments are a daily percentage of sales, the effective APR can also vary. This won’t effect the overall cost of your loan, however. But if you repay your loan more quickly because of an increase in sales, your loan term will be shorter than the maximum 18 months. This will increase your APR, but the flat fee and total cost of your loan will remain the same.

How Stripe Capital compares to other lenders

Stripe relies on your business metrics with its platform to determine your loan. To compare more flexible lenders, select your desired loan amount, annual revenue, time in business and personal credit score range. Then choose Show loans.

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Name	Product USFBL	Filter Values	Min. Amount	Max. Amount	APR	Requirements
Olympus Business Capital Finder Score: 4.4 / 5: ★★★★★ Olympus Business Capital Finder Score: 4.4 / 5: ★★★★★			$500	$250,000	Not stated	Been in business for 6 months registered with the state, active and open bank account in business name, have $10,000 of revenue each month	No credit needed. Funding up to $250,000 with a variety of finance options to best fit your business needs.	Go to site Compare	loading Fetching your data…
$10M+ funded! Lendio business loans Finder Score: 4.8 / 5: ★★★★★ Lendio business loans Finder Score: 4.8 / 5: ★★★★★			$1,000	$10,000,000	Varies by lender	Operate business in US or Canada for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteMore Info Compare	loading Fetching your data…
Fundera business loans Finder Score: 4.9 / 5: ★★★★★ Fundera business loans Finder Score: 4.9 / 5: ★★★★★			$2,500	$5,000,000	Varies based on lenders	$60,000+ of annual revenue, 550+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteMore Info Compare	loading Fetching your data…
Fora Financial business loans Finder Score: 4.5 / 5: ★★★★★ Fora Financial business loans Finder Score: 4.5 / 5: ★★★★★			$5,000	$1,500,000	Varies	6+ months in business, $25,000+ gross monthly sales, no open bankruptcies	Get qualified for funding in minutes for up to $1,500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.	Go to siteMore Info Compare	loading Fetching your data…
National Funding business loans Finder Score: 4.6 / 5: ★★★★★ National Funding business loans Finder Score: 4.6 / 5: ★★★★★			$5,000	$500,000	Undisclosed	In business 6+ months and make at least $250,000 in annual sales. Other loan types have additional requirements.	Working capital loans and equipment financing, some high-risk industries may be eligible.	Go to site Compare	loading Fetching your data…
American Express® Business Line of Credit Finder Score: 4.4 / 5: ★★★★★ American Express® Business Line of Credit Finder Score: 4.4 / 5: ★★★★★			$2,000	$250,000	N/A	Minimum FICO score of at least 660 at the time of application, have started your business at least a year ago, and an average monthly revenue of at least $3,000	Access lines of credit for your small business even if you aren’t currently an Amex customer.	Go to siteMore Info Compare	loading Fetching your data…

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Stripe Capital reviews and complaints

Stripe Capital doesn’t have many specific reviews — but Stripe itself has quite a few negative reviews. Business owners have had problems contacting customer service and frequently complain about how Stripe handled issues with software. Others have had much more positive experiences, although they aren’t as detailed about what went right when dealing with customer service.

How to qualify

Stripe determines your business’s eligibility by analyzing sales data, including your processing volume and history with Stripe. It states that qualified businesses will have at least 12 months of processing history, but it doesn’t disclose other factors it considers.

However, it doesn’t consider your credit score and won’t perform a credit check as part of the application process.

How the application works

Stripe Capital doesn’t have a traditional application process. Because it uses your sales data to determine your eligibility, you won’t need to apply at all. Instead, you’ll receive an offer on your Stripe dashboard or through your email.

Stripe typically prepares three options for you to choose from, and you also have the option to customize your loan up to the maximum offered amount. The loan fee and repayment rate will depend on the amount you borrow.

You have up to 30 days to make a decision. Once you make a selection, funds are deposited directly into your Stripe account — usually within one business day.

If you don’t have an offer available, Stripe allows you to submit your interest in the program for future consideration.

Repayment options

Stripe only has one repayment option: Automatic daily withdrawals from your account. The amount collected is a percentage of your Stripe sales — although Stripe doesn’t disclose the percentage it takes — and will vary day to day.

The minimum payment consists of your principal and the loan fee, and a minimum payment is due every 60 days. If you meet the minimum payment through your daily sales, there’s nothing left for your business to do. If you don’t meet your minimum payment, Stripe will deduct the remaining amount directly from your Stripe account or bank account.

What sets it apart

Stripe isn’t just a lender — it’s a payment-processing platform with tools designed for small businesses. So while its lending policy is rather strict, it offers a variety of options to help you make the most of its services. If you don’t use Stripe, read our review on its payment processing system to see if its right for your business.

Established Stripe users can take advantage of the Stripe Capital program. Everyone else will need to compare business loans for more ways to fund your small business.

Frequently asked questions

Our answers to more questions you might have about Stripe Capital.

Are loans issued by Stripe Capital?

No. While Stripe Capital services your loan, it’s technically issued by Celtic Bank, Member FDIC.

Will paying more than my minimum payment lower my next payment?

No. Although paying more than the minimum payment each 60-day period will lower your total principal owed, the minimum payment owed will not change. For example, a $2,000 minimum payment will never change — even if you pay $2,500 during one payment cycle.

No. Stripe users with a strong history of repayment may be eligible for additional funds to their current loan, but Stripe Capital only allows users to have one loan at a time.

Stripe Capital is not currently available on Finder

Have you considered Olympus Business Capital?

No credit needed. Funding up to $250,000 with a variety of finance options to best fit your business needs.

• Borrow up to $250,000
• Apply in 5 minutes
• Funding by next business day
• Required time in business: 6+ months
• Required monthly revenue: $10k+
• Min credit score: No credit needed

Learn more

No thanks, compare other business loan options.