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Funding guide › Funding types › Embedded & processor capital

Embedded & processor capital

How it works, what it really costs, and 7 providers compared on pricing, speed, size and requirements.

Compare these for your numbers See 7 providers
How it works

Payment platforms advance cash against your sales and take a cut of each payout.

Best for

Businesses already collecting revenue through Stripe, Shopify, PayPal, etc.

Watch out for

Only offered through the platform; repayment is a % of every sale.

At a glance

FamilyNon-dilutive debt & advances
What gets underwrittenYour platform sales
CollateralFuture platform sales
How you repay% of sales
DilutionNone
Typical pricingAbout 6–17% a year (flat fee or APR)
Typical time to cashAbout 1 day to about 3 days
Good forWorking capital · Growth spend

Embedded & processor capital providers compared

Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.

ProviderEstimated as of todayTime to cashTypical sizeRequirementsRegions
PayPal
Working Capital		 Rates shown to approved members
estimated		 About 1 day Up to about 15% of ARR Existing revenue · Revenue collected through their platform US · UK · EU
Stripe Capital
Merchant financing		 Rates shown to approved members
estimated		 About 2 days Up to about 15% of ARR Existing revenue · Revenue collected through their platform US · UK · EU
Shopify Capital
Merchant cash advance & loans		 Rates shown to approved members
estimated		 About 2 days Up to about 15% of ARR Existing revenue · Revenue collected through their platform US · UK · EU
Square Loans
Merchant loans		 Rates shown to approved members
estimated		 About 2 days Up to about 15% of ARR Existing revenue · Revenue collected through their platform US
Parafin
Embedded capital via platforms		 Rates shown to approved members
estimated		 About 2 days Up to about 15% of ARR Existing revenue · Revenue collected through their platform US
Pipe
Capital via embedded partners		 Rates shown to approved members
estimated		 About 3 days Up to about 15% of ARR Existing revenue · Revenue collected through their platform US
Wayflyer
Revenue-based financing (ecommerce)		 Rates shown to approved members
estimated		 About 3 days Up to about 15% of ARR Existing revenue US · UK · EU

Head-to-head comparisons

Capchase vs PipeFounderpath vs PipeFounderpath vs Stripe CapitalClearco vs WayflyerStripe Capital vs Shopify CapitalStripe Capital vs PayPalParafin vs Pipe

Is embedded & processor capital right for you?

See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.

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Other funding types

B2B BNPL & buyer financingNet terms & trade creditRevenue-based financingSaaS term loans & credit facilitiesVenture debtVenture banksSBA & small-business bank loansTraditional bank loans & linesOnline lines of credit & term loansInvoice factoring & AR financingCapital marketplacesCorporate cards (spend float)Customer-fundedEquity investorsEquity crowdfundingAcceleratorsGrants & tax credits

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.