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Stripe Capital review

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Stripe Capital
Min. Amount
Not stated

Our verdict

A quick way to finance your business — but no upfront details about cost.

Stripe Capital is best for business owners who have been using the platform for at least 12 months. Since there is no application, strong sales volume is the only way to qualify for a loan. The process is quick, however, and there's no hassles when it comes to making repayments.

But the sooner you repay the loan, the higher your effective APR could be. Stripe doesn't receive many positive customer reviews, either. And worst of all, rates aren't transparent. You won't know how much using Stripe Capital will cost your business until after you receive an offer.

If you haven't found an offer on your Stripe dashboard, look into other loan options to fund your business.

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question

Bottom line: Current Stripe users can take advantage of quick funding and standard 18-month repayment terms. But if you don't have a Stripe account or don't have an offer lined up, you'll need to find a different source of funding.


Product details

Min. Amount $25,000
Loan term From 18 months
APR Not stated


  • 60-day payment cycles
  • Daily repayments based on Stripe sales
  • No interest — just a flat fee


  • Not transparent about fees and costs
  • Early repayment may mean higher effective APR
  • Must use Stripe to process payments

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 Filter Values Min. Amount Max. Amount APR Requirements
Lendio business loans
Finder Score: 4.8 / 5: ★★★★★
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Operate business in US or Canada for 6 months or more, have a business bank account, minimum 500 personal credit score, at least $20,000 in monthly revenue
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
Olympus Business Capital
Finder Score: 3.8 / 5: ★★★★★
Olympus Business Capital
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 $100k with a variety of finance options to best fit your business needs.
Go to site
American Express® Business Line of Credit
Finder Score: 4.4 / 5: ★★★★★
American Express® Business Line of Credit
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.
Finder Score: 4.9 / 5: ★★★★★
Rates start at 1% per month
500+ FICO score, $200,000 annual revenue, 6 months in business, most recent business bank statements
Same day approval
Go to site
Fundera business loans
Finder Score: 4.9 / 5: ★★★★★
Fundera business loans
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.

Stripe Capital reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 1.1 out of 5 stars, based on 108 customer reviews
BBB customer complaints 460 customer complaints
Trustpilot Score 3.6 out of 5 stars, based on 4,784 customer reviews
Customer reviews verified as of 14 December 2020

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.

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