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Build a custom Capital program Public preview

Integrate with our API to build a custom Capital program.

Stripe Capital enables your platform to retrieve prequalified financing offers for your connected accounts, expose a compliant financing offer application, and provide ongoing reporting for in-progress financing.

This guide explains how Connect platforms can integrate with the Capital API to send offer emails and manage reporting. When you send offer emails, you must BCC on all of them.

Capital lifecycle

To launch the program, your platform must support the three phases of the Capital lifecycle:

• Market financing offers to eligible connected accounts through offer emails, embedded components , or a combination of both.
• Provide access to the financing reporting page for in-progress financing through a hosted page, embedded components , API-based custom reporting, or a combination of all three.
• Continue to provide access to the financing reporting page after connected accounts fully repay their financing.

This guide explains how to use the Capital API to:

• Retrieve financing offers for eligible connected accounts.
• Make the financing application available to connected accounts.
• Provide connected accounts access to financing reporting.

Implementation phases

1. Before you begin: Confirm your platform branding settings and create a test offer.
2. Build the offer-delivery flow: Retrieve offers, send offer emails, create or refresh Account Links, and mark offers delivered.
3. Handle financing lifecycle updates: Process webhooks, application submission review, financing payout, payment, financing reporting, and repayment.
4. Validate and launch your integration: Review the test flow, enable automatic offers, then add refills and reporting.

Confirm your branding settings Dashboard

All connected accounts that receive Capital offers see your business name, icon, logo, and branding color in the offer emails, application, and financing reporting page.

Navigate to your Connect branding settings, and make sure your platform’s branding settings are correct.

Create a test undelivered financing offer Dashboard

We recommend using a sandbox to build your integration. In a sandbox, visit the Capital Dashboard.

1. Click Create to open the Create financing offer modal, which allows you to create test financing offers. The default options create an undelivered financing offer with a 1,000 USD financing amount.
2. Leave the default options, and click Create financing offer .
3. From the Dashboard, click the row corresponding to the offer you created.

The loans and financing section of the connected account details page displays details about the connected account’s financing offer.

Retrieve financing offers Server-side

You can retrieve financing offers for all of your platform’s connected accounts with the List financing offers endpoint.

Command Line

curl

If the offer is successfully created, you receive a response similar to the following:

You can look up a financing offer using the Retrieve financing offer endpoint. Retrieve the first financing offer from the list above.

Command Line

curl

Send offer email Server-side

Handle offer creation with a webhook

To send your own financing offer emails, listen for the capital.financing_offer.created webhook, which Stripe sends after it creates a financing offer. When you receive this webhook, send the offer email to the connected account immediately.

You must configure Capital webhook events from your account, not as Connect webhooks. Although these events carry data about connected accounts, Stripe creates and manages financing offers on your platform account. Set up your Capital webhook endpoint in the Dashboard or using the Webhook Endpoints API without a connect parameter to register it as a platform account webhook rather than a Connect webhook that listens for activity on connected accounts.

Warning

Make sure the contents of your offer email comply with banking regulations by reviewing the marketing guidance page. Submit all changes to user-facing materials for review and approval using the Change Request Form.

Send offer emails

In the email, link connected accounts to a dedicated Capital section in your platform Dashboard, such as a Capital landing page or Capital Dashboard. That page can use the Capital financing application with Account Links to give connected accounts access to the Capital application.

Create a financing application Account Link

Include a link to the financing application in your platform Dashboard by generating an Account Link. You can generate Account Links with the capital_financing_offer type to provide temporary access to a Stripe-hosted application page. Account Links expire shortly after Stripe generates them, so generate them as needed or give connected accounts a way to regenerate the application link by using a redirect.

Handle Account Link Expiration

Don’t send an Account Link URL directly in an offer email because the Account Link can expire before the recipient even opens the email. Instead, include a stable URL hosted on your platform (for example, https://yourplatform.com/capital/accept_offer). Configure the link to:

1. Authenticate the connected account.
2. Generate a new Account Link using the API.
3. Redirect the connected account to the newly generated Account Link URL.

This way, the connected account always receives a fresh, valid Account Link regardless of when they open the email.

Command Line

curl

If the creation of an account link is successful, you receive a response similar to the following:

After updating your webhook integration, create another offer in the Dashboard, and verify you receive the capital.financing_offer.created webhook.

Mark the offer as delivered

After you send an offer email, update your webhook integration to mark the financing offer as delivered. You can verify that the financing offer’s status is delivered in either the Dashboard or the Financing Offers API.

Command Line

curl

You must mark an offer as delivered to verify with Stripe that you’ve marketed the offer to the connected account. When you send your offer emails, you need to BCC .

Listen for status changes Server-side

In addition to the capital.financing_offer.created webhook, Stripe sends additional webhooks as the financing offer transitions through different states. Stripe sends all Capital webhooks to your platform account webhook endpoint, not to a Connect webhook endpoint. You can receive any of the following webhooks related to Capital:

From the Dashboard, find the offer you delivered earlier.

1. Click the overflow menu ( ).
2. Click the Expire offer option, which lets you simulate expiring the offer.
3. Verify you receive the capital. financing _ offer. expired webhook.

With the exception of capital.financing_offer.canceled, you can simulate all webhooks while in a testing environment.

Apply for an offer Dashboard Server-side

You can simulate the capital.financing_offer.accepted webhook by applying for an offer.

1. From the Dashboard , create a delivered offer with a maximum financing amount of 20,000 USD.
2. Generate an account link of type capital _ financing _ offer , and go to the link. Here, you can preview what the application looks like for your connected accounts.
3. Continue to the end of the application, and click Submit .
4. Verify you received the capital. financing _ offer. accepted webhook.
5. View the offer in the Dashboard, and check it has status accepted.

Handle application requirements after submission

A financing offer with the accepted status is pending application review. During review, connected accounts can use the financing reporting page to view an application tracker, see the estimated review timeline, and take any required actions to remediate the application.

To display the application tracker, use either:

• The Capital Financing embedded component
• An Account Link with the capital _ financing _ reporting type

In some cases, after a connected account submits an application, Stripe might request additional information, such as identity verification or bank statements, to complete the review. When this happens, Stripe sends transactional emails directly to the connected account. The connected account can submit the requested information through the application tracker.

If Stripe requires additional information, past-due requirements might appear on the loans or cash_advances capabilities. Requirements that apply only to these Capital capabilities don’t affect other account capabilities, such as card_payments or transfers.

Stripe also sends an account.updated webhook when requirements change. This webhook is informational. It reflects the account’s complete requirements state and doesn’t require your platform to take action. If you want to update your integration in response to application requirements, listen to the account.updated webhook and use the capability requirements API to identify and handle requirements that affect Capital capabilities. For more information, see Retrieve requirements by capability.

Example request to retrieve the loans capability requirements:

Command Line

curl

Example response:

{
 "id": "loans",
 "object": "capability",
 "account": "{{CONNECTED_ACCOUNT_ID}}",
 "requirements": {
 "currently_due": [
 "{{REQUIREMENT_ID}}.credit_review.form",
 "{{REQUIREMENT_ID}}.identity_verification.challenge"
 ]
 },
 "status": "inactive"
}

Approve the application Dashboard

In the Dashboard, find the row corresponding to the accepted offer.

1. Click the overflow menu ( ).
2. Click the Approve and disburse funds option, which lets you simulate an application approval and funds disbursal.
3. Verify you receive the capital. financing _ offer. paid _ out webhook, which notifies you that the financing has been paid out.
4. Generate another Account Link of type capital _ financing _ reporting . This reporting page provides access to outstanding balance and payout and payment transaction details for the connected account’s in-progress financing.
5. Click Make payment , and create a manual payment.

Note

It takes up to 15 minutes for the Make payment button to be enabled on the reporting page for test financing offers.

After the transaction is processed, view the payment in the transactions table. You can programmatically view the connected account’s paid-down financing amount for in-progress financing using the financing summary API.

Command Line

curl

If the retrieval of the financing summary is successful, you receive a response similar to the following:

{
 "object": "capital.financing_summary",
 "details": {
 "currency": "usd",
 "advance_amount": 1000000,
 "fee_amount": 100000,
 "withhold_rate": 0.2,
 "remaining_amount": 999950,
 "paid_amount": 50,
 "current_repayment_interval": {
 "due_at": 123456789,
 "remaining_amount": 50,
 "paid_amount": 50
 },
 "repayments_begin_at": 123456789,
 "advance_paid_out_at": 123456789
 }
}

Fully pay the financing Dashboard

In the Dashboard, find the row corresponding to the paid-out financing.

1. Click the overflow menu ( ).
2. Click the Repay offer option, which lets you simulate fully paying down the financing balance.
3. Verify you receive the capital. financing _ offer. fully _ repaid webhook, which notifies you that the financing has been fully paid.
4. Generate another Account Link of type capital _ financing _ reporting .

After a connected account pays the total amount of its financing, they can access past financing details on the reporting page at any time.

Review your test integration

By now, your integration:

• Responds to the capital. financing _ offer. created webhook by sending an offer email and marking the offer as delivered
• Expose the financing application link in your platform Dashboard by using Account Links with the capital _ financing _ offer type
• Expose the financing reporting link in your platform Dashboard by using Account Links with the capital _ financing _ reporting type

The Capital section of your platform dashboard might appear differently depending on which phase the connected account’s financing is in. Review the state diagram below for a list of possible financing offer status values.

Prepare to enable automatic offers

When automatic offers are enabled in live mode, Stripe automatically creates financing offers for your connected accounts on a daily basis. Before enabling automatic offers, make sure that you:

1. Confirm and update email addresses for your connected accounts through the Comms Center if you’re planning to use Stripe co-branded no-code offer emails. To be eligible for Capital financing, connected accounts must have an email saved with Stripe so that they can receive transactional emails such as payment progress updates.
2. Contact us to enable live mode access to the financing offers API.

Enable additional features

Over time, some of your connected accounts might become eligible for refills. Refills are additional financing offers sent to connected accounts that have made substantial payment progress towards their in-progress loans. Follow the refills integration guide to update your integration to support refill financing offers.

If you want to include Capital transactions on your platform dashboard and update your connected accounts’ custom payout reporting, refer to the reporting and reconciliation guide.

See also

• Refill offers
• Replace offers
• Capital testing
• Account Links