CapitalPayments
Stripe Capital
Native working-capital product for businesses already processing on Stripe.
Last reviewed: 2026-05-17
What they offer
- •Merchant cash advance / working capital
- •Repayment from sales
- •Native Stripe distribution
Integration model
Processor-native; lowest engineering lift when Stripe already owns the payment flow.
Best for
- •Stripe-native platforms
- •Merchants with card-sales history
- •Fastest launch inside Stripe ecosystem
Not for
- •Multi-processor platforms needing neutral routing
- •Deeply custom white-label credit experiences
Catches
- •Limited customization
- •Tied to Stripe processing data
- •Economics and eligibility are not fully controllable by the platform
Pricing / economics
requires quotePublic pricing is incomplete or not enough for deal comparison. Treat exact fees, rev share, liability, minimums, and eligibility as quote-required.
- •transaction fees
- •processor markup
- •platform/payfac revenue share
- •chargeback/fraud liability
- •reserve requirements
- •origination fee or rev share
- •cost of capital
- •servicing fee
- •loss/repurchase exposure
- •minimum volume/eligibility thresholds
Provider contact
needs verified contacthttps://stripe.com/contact/salesStart via sales contact form. Verify a direct partnerships/sales contact before automating outreach.
Geographies
- •US
- •selected Stripe-supported markets
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Capital diligence
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