Is Stripe Capital safe and reliable?

Yes, Stripe Capital is considered reliable. The company works with established lenders — YouLend for merchant cash advances and Celtic Bank for business term loans — and services both types of financing through the Stripe platform. However, its customer service department can be hard to reach, and reviews of Stripe's payment processing services are mostly negative.

What credit score is needed for Stripe Capital?

There is no minimum credit score requirement for Stripe Capital. Eligibility is primarily determined by your company's sales volume on the Stripe platform.

How long does Stripe Capital take to approve?

There's no traditional approval process. Eligible businesses receive a preapproval offer directly in their Stripe Dashboard. Once you accept an offer, funding usually arrives in one to two business days.

Is Stripe Capital personally guaranteed?

No. Stripe Capital loans and merchant cash advances don't require a personal guarantee. Eligibility and repayment are based on your business's Stripe sales, not your personal credit or assets.