Business financing for your customers
Stripe Capital provides platforms with an end-to-end lending API that enables you to offer access to fast and flexible financing to help your customers grow their businesses.
Drive user growth and retention
Providing access to financing enables businesses on your platform to better manage cash flow and invest in growth. With Stripe Capital, you’ll be able to better attract, retain, and grow your customer base.
Built-in access through Connect
Connect platforms can get started with a single integration. With our unique access to payments data, Stripe Capital manages the entire lending cycle, from underwriting to funds disbursal to repayment.
Seamless experience for users
There’s no lengthy application process and repayment is automatic, so your customers never have to think about their next payment. 98% of users surveyed say they’d take another loan from Stripe Capital.
Earn revenue on every loan
Unlock a new revenue stream for your business. You’ll earn a revenue share on all loans extended, with zero financial liability on credit losses.
What’s included
A complete lending program through a single integration
We’ll do all the heavy lifting. Stripe Capital absorbs the complexity, compliance management, and financial risk of lending, so you can focus on building your business.
User experience
- No lengthy application
- Funds arrive in 1-2 days
- Automated repayment via a percentage of sales
Funding & compliance
- Loans issued by bank partner
- Risk absorbed by investors
- Compliance program covering the entire loan cycle
Underwriting
- Cash flow forecasting
- Credit risk assessment
- Daily user qualification
- Tailored offer terms
Servicing
- In-house loan servicing team
- Servicers available to users across the entire loan cycle
- Payment deferral options
Revenue share
Stripe Capital provides platforms a revenue share on all loans extended, unlocking a new revenue stream for your business.
Zero liability
You won’t bear any financial liability for credit losses—all credit losses are absorbed by Stripe Capital.
Unified platform
Built on the Stripe network
Financial services on a unified payment stack
Stripe Capital works seamlessly with Connect to generate offers, disburse funds, and collect repayment, offering a quick application process and seamless user experience.
Underwriting powered by millions of Stripe businesses
Stripe Capital’s underwriting models are based on data from the millions of businesses processing on Stripe every day, enabling us to unlock more eligible businesses and offer affordable terms.
Get automatic upgrades
We’re constantly improving Stripe Capital, and you’ll get automatic access to every upgrade, from fine-tuned marketing optimizations to new product and geography releases.
Cash flow is critical for home service businesses, whether they need to invest in equipment or plug a receivables gap to meet payroll. Our partnership with Stripe Capital enabled us to stand up a lending platform with ease. Our customers love that the loan is repaid automatically through a percentage of their sales.
Platform payments
Tools that let platforms and marketplaces easily support multiparty payments and get sellers in 35+ countries paid.
Issue cards for your business
Create, manage, and distribute virtual and physical cards.