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Stripe Capital for platforms Public preview
Offer financing to your connected accounts.
Stripe Capital for platforms lets you offer financing to your connected accounts through your existing Connect integration. Stripe and its financial partners manage eligibility, underwriting, pricing, funding, servicing, and collections.
To see what connected accounts see, try the interactive demo.
Availability
Capital for platforms is available in the following countries:
Australia
France
Germany
United Kingdom
United States
How Capital for platforms works
| Step | What happens |
|---|---|
| 1. Stripe reviews your accounts | Stripe prequalifies connected accounts daily using their payment activity on Stripe with your platform. No action required from your platform. Not all connected accounts are eligible. |
| 2. Eligible businesses get an offer | Qualified accounts receive a financing offer consisting of a principal amount plus a flat fee, with no variable interest. |
| 3. Funds are deposited | After the connected account accepts, Stripe deposits funds into their bank account within 1–2 business days. |
| 4. Repayment is automatic | Stripe withholds a fixed percentage of each transaction until the complete balance is repaid. Payments adjust with sales volume, with no fixed monthly bill. |
| 5. Stripe handles support | Stripe and its financial partners manage all financing questions, servicing and collections. |
Financing offers
Each Capital financing offer includes the following components:
| Component | What it means |
|---|---|
| Principal amount | The amount the connected account receives upfront |
| Payment rate | The percentage of each future transaction withheld towards repayment |
| Premium amount | A flat, one-time fee on top of the principal, with no compounding interest |
| Minimum payment | A repayment floor over a set period (where applicable) |
For example, consider the following offer:
- Principal: 20,000 in local currency
- Payment rate: 15%
- Premium: 2,000 (total repayment: 22,000)
Stripe withholds 15% of each transaction until the full balance is paid. In areas where a minimum payment applies, if withholdings fall short, Stripe automatically debits the shortfall for that period. There’s no prepayment penalty. Connected accounts can pay their balance in full at any time from the Capital tab in their Dashboard.
Country-specific offer types
Offer types, limits and minimum payments vary by country.
Four types of financing offers are available to US connected accounts:
| Type | Provider | How it works |
|---|---|---|
| Flex loan | Celtic Bank or Lead Bank | A term loan with 60-day minimum payments. If withholdings fall short of the minimum, Stripe debits the difference from the connected account’s external bank account. |
| Merchant cash advance (MCA) | YouLend | A purchase of future receivables, not a loan. Payments vary with processing volume with no fixed schedule or regular debits. Soft credit check only. There’s no impact on the connected account’s personal credit score. |
| Fixed-term loan | Celtic Bank or Lead Bank | Available to connected accounts that process payments outside Stripe and whose payment data has been imported to Stripe. Repaid through weekly minimums with a capped withholding structure. |
| Line of credit Private preview | Celtic Bank or Lead Bank | Draw up to a prequalified credit limit, accessing only the amount needed. Each draw is repaid as principal plus a fixed fee over nine monthly payments. Available credit replenishes as repayments are made, and the credit limit is re-evaluated every 90 days. |
Interested in offering line of credit financing to your connected accounts?
Enter your email to request access.
Who qualifies
Stripe and its financial partners review each connected account’s eligibility automatically based on their Stripe payment activity. This runs daily and requires no action from your platform.
| Requirement | Details |
|---|---|
| Business type | For-profit business located or incorporated in a supported country, with an address in that country |
| Processing history | At least three months of payments on Stripe with your platform, with an annual volume of at least 5,000 in local currency and a monthly average of at least 1,000 in local currency |
| Standing | In good standing with Stripe Capital |
| Applicant | A representative, controller or director, at least 18 years old, with at least 25% ownership |
Meeting these requirements doesn’t guarantee an offer. Stripe and its partners also weigh processing consistency, growth trajectory, customer breadth and dispute rate.
Note
You can import non-Stripe payment data for accounts that process sales elsewhere. This can make more of your connected accounts eligible. See Improve underwriting with non-Stripe data.
How to integrate
After you confirm eligibility, choose an integration option. See Compare integrations for the options available in each country.
| Option | Best for | What you build |
|---|---|---|
| No-code integration | Fastest to launch | Enable from the Dashboard. Stripe sends co-branded offer emails on your behalf. |
| Embedded components | Most platforms | Prebuilt Capital UI added to your product, styleable to match your brand |
| API integration | Custom experiences | Your own notifications and flows; Stripe hosts offer acceptance |
Regardless of integration type, connected accounts must accept their offer on a Stripe-hosted Capital page or an embedded component.
Connected accounts use this Stripe-hosted Capital page, or an embedded component, to accept a financing offer.
Connected account experience
After a connected account accepts an offer and receives their payout, you can show them their financing balance, transaction history and payment progress:
| Option | Details |
|---|---|
| Co-branded notifications on offer acceptance, payout disbursement and payment progress, with links to the Stripe-hosted Capital page. Enabled by default in all markets. | |
| Embedded component | Embed the Capital financing component in your platform UI. This component doesn’t include standard payment processing data such as charges, refunds or disputes. |
| API | Use the Financing Transactions API to monitor Capital transactions alongside detailed payments data and build custom reporting interfaces. |
Email notifications
Stripe can send the following emails to connected accounts throughout the financing process:
| Type | When it’s sent |
|---|---|
| Marketing | New offers, refreshed offers (when a prior offer expires after 30 days), and refill offers (when an account is approximately 80% through repayment). Available in select markets. See Capital refills. |
| Application status | Submission confirmation, approval, rejection and KYC/KYB resolution requests. |
| Transactional | Weekly progress updates, milestones at 25%, 50% and 75% completion, minimum payment reminders and upcoming bank debit notifications. |
Repayment
Repayment is fully automated. Stripe deducts a fixed percentage of each connected account’s transactions until the complete balance is repaid. There is no prepayment penalty.
Minimum payments
Some financing types require a minimum payment each period. If withholdings fall short, Stripe automatically debits the difference from the connected account’s linked bank account. Connected accounts can also pay manually in the Dashboard. If a connected account can’t meet its minimum, tell them to contact support.
Additional financing
Refills are additional offers available after a connected account is approximately 80% through repaying an existing balance. Stripe then sends a refill marketing email. Refill behaviour varies by country. See Country-specific offer types.
Stripe automatically re-evaluates connected accounts for new offers as they pay off their financing. Paying off early doesn’t guarantee a new offer. When an account becomes eligible, the offer appears automatically in their Dashboard.
Capital servicing
Stripe and its financial partners handle all Capital-related support and servicing. Direct connected accounts to email our dedicated support team as their first point of contact. For connected accounts experiencing financial difficulty, Stripe’s financial partners might be able to arrange extended payment plans.