Key facts
| Product | Merchant financing |
| Funding type | Embedded & processor capital |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 2 days |
| Typical size | Up to about 15% of ARR |
| Term | 6–18 months |
| Requirements | Existing revenue · Revenue collected through their platform |
| Regions | US · UK · EU |
| What they underwrite | Your platform sales |
| Collateral | Future platform sales |
| How you repay | % of sales |
| Dilution | None |
The estimated rate for Stripe Capital, as of today, is shown to approved members. Sign in to see it.
Stripe Capital pros and cons
- Fast: about 2 days to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Available in US, UK, EU
- Pricing isn't public
- Only available if you collect revenue through their platform
Businesses already collecting revenue through Stripe, Shopify, PayPal, etc.
Only offered through the platform; repayment is a % of every sale.
Stripe Capital alternatives
Other embedded & processor capital providers, fastest first. All Stripe Capital alternatives.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| PayPal Working Capital |
Rates shown to approved members | About 1 day | Existing revenue · Revenue collected through their platform | Compare → |
| Shopify Capital Merchant cash advance & loans |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Square Loans Merchant loans |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Parafin Embedded capital via platforms |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Pipe Capital via embedded partners |
Rates shown to approved members | About 3 days | Existing revenue · Revenue collected through their platform | Compare → |
| Wayflyer Revenue-based financing (ecommerce) |
Rates shown to approved members | About 3 days | Existing revenue | Compare → |
Compare Stripe Capital
Stripe Capital FAQ
How much does Stripe Capital cost?
The estimated rate for Stripe Capital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Stripe Capital's underwriting.
How fast does Stripe Capital fund?
About 2 days from application to cash, based on typical timelines.
What are Stripe Capital's requirements?
Existing revenue, revenue collected through their platform. Available in US, UK, EU.
How much can you get from Stripe Capital?
Up to about 15% of ARR. Terms run 6–18 months.
Does Stripe Capital require a personal guarantee?
A personal guarantee isn't listed as a requirement for Stripe Capital.
What are the best alternatives to Stripe Capital?
Other embedded & processor capital providers include PayPal (about 1 day); Shopify Capital (about 2 days); Square Loans (about 2 days). Compare all 7 side by side on B2B Agent.
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Is Stripe Capital your best option?
Price Stripe Capital against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.