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AddedMay 14, 2026
UpdatedJul 6, 2026
Stripe Capital

Stripe Capital

Service
Currently Offered

Business financing with flat-fee loans and merchant cash advances repaid as a percentage of daily sales.

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Overview

Stripe Capital offers business loans and merchant cash advances with a flat fee structure (no compounding interest or late fees), next-day funding, and automated repayment tied to daily Stripe sales volume. No credit check required; eligibility requires $5,000+/year in Stripe processing for 6+ months. Also available as Capital for Platforms, enabling platforms to offer financing to their sellers.

Capital integrates directly with Stripe Payments and Connect, providing seamless repayment flows and transparent cost structures that make business financing accessible to businesses that might not qualify for traditional bank loans.

Stripe Capital - Classification

Tags
  • Merchant Cash Advance

Stripe Capital - Direct Competitors

  • Graph Finance

    Graph Finance logo

    GraphConnect API

    graph.finance

AttributeStripe CapitalGraphConnect API
ProviderStripestripe.com$8.7B raised · Series AGraph Financegraph.finance$120k raised · Pre-Seed
Founded20102021
Sells ToEnterprises, SMBBusiness
Pricing ModelRecurring, Transactional, Usage-basedTransaction Fees
OwnershipPrivate Equity, Venture CapitalPrivate
Stripe Capital

Provider Stripestripe.com$8.7B raised · Series A

Founded 2010

Sells To Enterprises, SMB

Pricing Model Recurring, Transactional, Usage-based

Ownership Private Equity, Venture Capital

GraphConnect API

Provider Graph Financegraph.finance$120k raised · Pre-Seed

Founded 2021

Sells To Business

Pricing Model Transaction Fees

Ownership Private

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