Stripe Capital Review: Fast Funding for Stripe Customers (2026)
Stripe Capital isn't available on Finder right now.
- Min. Amount
- $25,000
- APR
- Not stated
Our verdict
Sales-based financing for Stripe users with fast funding, no credit check and a flat-fee cost structure.
Stripe Capital offers quick, sales-based financing for existing Stripe users with steady revenue. It charges a flat fee instead of interest, and payments are automatically withdrawn as a percentage of sales. But it doesn’t publicly disclose its loan and fee amounts, and offers aren’t available to businesses outside the Stripe platform. If you’re not a Stripe user or don’t have enough processing volume to qualify, look into a merchant cash advance elsewhere or other types of business loans.
Best for: Stripe users with steady sales who need fast, short-term funding.
Pros
-
No credit check required
-
Funding in 1–2 business days
-
No interest — just a flat fee
Cons
-
Must use Stripe to process payments
-
Not transparent about fees and costs
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Flat fee may equal a high effective APR
Is Stripe Capital legit?
Yes. Stripe Capital is a legitimate financing program offered by Stripe, one of the most widely used payment processors in the world. Its business loans are issued by Celtic Bank, an FDIC-insured bank, and its merchant cash advances are provided by YouLend, a reputable revenue-based financing company. Stripe publishes clear documentation about how Capital works, and there are no known security issues, lawsuits or regulatory actions tied specifically to the Capital program.
However, Stripe doesn’t have a very good reputation with customers. Reviews on the Better Business Bureau (BBB) and Trustpilot focus mostly on Stripe’s payment-processing services, not Stripe Capital, but many mention difficulties reaching support or resolving account issues. Stripe also doesn’t publicly disclose fee ranges or APR equivalents for its financing, which limits transparency compared with traditional business lenders.
What makes Stripe Capital shine?
- No credit check or credit score requirement. Stripe bases eligibility entirely on your business’s Stripe sales history, not your personal credit.
- No traditional application to complete. Eligible businesses receive preapproved offers directly in the Stripe Dashboard, eliminating paperwork and underwriting delays.
- Fast access to funds. Once you accept an offer, money is typically deposited into your Stripe balance within one to two business days.
- Predictable pricing with a flat fee. Stripe charges a fixed fee instead of interest, so the total repayment amount doesn’t change, even if you take longer than expected to repay.
- Payments that adjust with your revenue. Repayments are withheld as a percentage of daily Stripe sales, easing the burden during slower periods.
- No personal guarantee required. Stripe Capital loans and advances are tied to your Stripe processing volume, not your personal credit or assets.
- Seamless for existing Stripe users. Funding and repayment are done automatically through your Stripe account with no additional setup required.
- No origination fees, late fees or prepayment penalties. You’ll never owe more than the original flat fee.
Where Stripe Capital falls short
- Not available to businesses outside Stripe. You must already process payments through Stripe. Non-Stripe businesses cannot apply.
- Lack of transparency on terms. Repayment terms, loan amounts and flat fee ranges are not publicly disclosed.
- Effective APR may be high. The flat fee charged by Stripe Capital may equal an APR that’s higher than what you’d find with other lenders.
- Repayments can drain cash flow. Repayments are taken automatically from your daily Stripe sales, which can create cash-flow strain when your business needs that revenue for other expenses.
- Limited customer-service access. Stripe does not provide a dedicated Capital support line or email. Inquiries must be handled through the Stripe Dashboard.
- No control over repayment method. Repayment must occur via automatic daily sales withholdings. There are no weekly or monthly alternatives.
- Loans have minimum periodic payment requirements. If sales withholdings don’t meet Stripe’s minimum 30- or 60-day payment requirement, Stripe debits the difference from your linked bank account.
Stripe Capital loan details
| Loan amount | Based on sales volume (limits not disclosed) |
| Terms | Up to 18 months |
| APR | Charges a flat fee (amount not disclosed) |
| Turnaround | 1-2 business days after approval |
| Minimum credit score | No minimum credit score requirement |
| Other requirements |
|
| Fees |
|
| Availability | May not be available in all 50 states |
Stripe Capital contact information
| Phone number | 877-887-7815 |
| Online | Stripe recommends contacting customer service through your account dashboard |
| X (Twitter) | @Stripe |
| @StripeHQ |
How to qualify for Stripe Capital
Stripe doesn’t consider your credit score or perform a credit check to determine eligibility. Instead, you need:
- A valid Stripe account that’s in good standing
- Three months minimum of Stripe processing history
- $5,000 annual processing volume with $1,000 average for the past 3 months
- A business based in the United States
- No rejected Stripe Capital offers in the past 30 days
Though not required, it also helps if you have your business bank account connected to Stripe, plus a large customer base and low dispute rate.
How to apply
Stripe Capital doesn’t use a traditional application. Eligible businesses receive offers automatically based on their Stripe sales data. Here’s what the entire process should look like:
- Check your Stripe Dashboard for an offer. If your business qualifies, you’ll see a preapproved loan or cash-advance offer directly in your dashboard or by email.
- Compare the available funding options. Stripe usually provides three different amounts for you to choose from. The flat fee and repayment rate change based on the amount you select.
- Select your offer and confirm the terms. After reviewing the total repayment amount and daily withholding rate, accept whichever offer you prefer. If you need time to decide, the offers remain valid for 30 days.
- Receive funds in your Stripe account. Once you confirm your selection, Stripe typically deposits the funds into your Stripe balance within one to two business days.
How Stripe Capital compares to other lenders
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Stripe Capital reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.03 out of 5 stars, based on 180 customer reviews |
| BBB customer complaints | 460 customer complaints |
| Trustpilot Score | 1.8 out of 5 stars, based on 16,636 customer reviews |
| Customer reviews verified as of | 29 November 2025 |
While there are plenty of Stripe reviews on Trustpilot and the Better Business Bureau, none mention Stripe Capital specifically. Most reviews focus on Stripe’s payment-processing services rather than Stripe Capital’s financing.
Many negative reviews mention how difficult it is to reach customer service, especially since it can only be done through the user’s online dashboard. Other issues include accounts being shut down for no apparent reason, Stripe unexpectedly withholding large sums of money and technical difficulties. Customers who leave positive reviews usually report having a positive experience with customer service.
What do people on Reddit say?
But not everyone agrees. Others on Reddit complain the company’s fees are too steep and equal high effective APRs. Another common complaint is that the percentage Stripe takes out of sales for repayment negatively impacts cash flow.
Frequently asked questions
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