Business financing with flat-fee loans and merchant cash advances repaid as a percentage of daily sales.
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.
Flutterwave
Capital
flutterwave.com
PayPal
PayPal Working Capital
paypal.com
Shopify
Shopify Capital
shopify.com
Block
Square Loans
block.xyz
Toast
Toast Capital
toasttab.com
Uncapped
Uncapped Fixed Term Loans
weareuncapped.com
| Attribute | Stripe Capital | Capital | PayPal Working Capital | Shopify Capital | Square Loans | Toast Capital | Uncapped Fixed Term Loans | |
|---|---|---|---|---|---|---|---|---|
| Provider | | | | | | | | |
| Founded | 2010 | 2016 | 1998 | 2006 | 2009 | 2011 | 2019 | |
| Sells To | Enterprises, SMB | Enterprise, Small Business | Enterprises | Enterprise, Small Business | Individuals, SMB | Enterprise, Small Business | — | |
| Pricing Model | Recurring, Transactional, Usage-based | Recurring, SaaS, Transactional | Transactional Commission | Recurring, Software, Transactional | Transactional Commission | Recurring, Software, Transactional | — | |
| Ownership | Private equity-backed, Venture-backed | Venture-backed | Public | Public | Public | Public | — |
Provider
Founded 2010
Sells To Enterprises, SMB
Pricing Model Recurring, Transactional, Usage-based
Ownership Private equity-backed, Venture-backed
Provider
Founded 2016
Sells To Enterprise, Small Business
Pricing Model Recurring, SaaS, Transactional
Ownership Venture-backed
Provider
Founded 1998
Sells To Enterprises
Pricing Model Transactional Commission
Ownership Public
Provider
Founded 2006
Sells To Enterprise, Small Business
Pricing Model Recurring, Software, Transactional
Ownership Public
Provider
Founded 2009
Sells To Individuals, SMB
Pricing Model Transactional Commission
Ownership Public
On-chain working capital advances for e-commerce merchants against receivables.
Working capital and invoice financing service for businesses using Xendit payments.
Affirm for Merchants lets retailers offer flexible pay-over-time options that lift conversion and order values.
Afterpay for Business lets merchants accept Pay in 4 and monthly installments online, in-store, and in-app.
Klarna for Business lets merchants offer flexible payment options online and in-store with upfront settlement.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
Sezzle for Merchants lets retailers offer flexible installment options online and in-store to drive incremental sales.
Business bill-payment financing feature that pays vendors upfront while customers repay over time.
On-chain working capital advances for e-commerce merchants against receivables.
Working capital and invoice financing service for businesses using Xendit payments.
Affirm for Merchants lets retailers offer flexible pay-over-time options that lift conversion and order values.
Afterpay for Business lets merchants accept Pay in 4 and monthly installments online, in-store, and in-app.
Klarna for Business lets merchants offer flexible payment options online and in-store with upfront settlement.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
Sezzle for Merchants lets retailers offer flexible installment options online and in-store to drive incremental sales.
Optional vendor-invoice payment-plan service for eligible MarginEdge customers.
Business bill-payment financing feature that pays vendors upfront while customers repay over time.
