Capital Financing gives your rental business access to fast, flexible funding — powered by Stripe — directly from HQ. Instead of applying directly through a bank, Stripe evaluates financing offers based on your actual payment activity processed through HQ, so decision is quicker and terms are tailored to how your business really performs.
There's no fixed payment schedule. Instead, a small percentage of your daily card payment volume goes toward payment, so what you pay flexes with how much revenue you're bringing in.
See more information on Stripe’s website here.
Capital Financing is currently available to businesses with a connected Stripe account in the following countries. All financing applications are subject to review and approval
| Country | Description |
|---|---|
| United States | Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank or Lead Bank, and YouLend provides Stripe Capital merchant cash advances. |
Stripe Capital loans have a minimum amount due each payment period. If the amount that you pay through sales doesn’t meet the minimum required, your bank account will be automatically debited the remaining amount at the end of the period. | | United Kingdom | All financing applications are subject to review prior to approval. In the UK, Stripe Capital loans and merchant cash advances are provided by YouLend. | | France | All financing requests are subject to final review prior to approval. Financing is provided in co-operation with YouLend SAS and its affiliates. Technical support and customer management provided by YouLend SAS.YouLend SAS is registered in the Single Register of Insurance, Banking, and Finance Intermediaries (ORIAS) under the registration number N 21001409 as an Intermediary in Banking Operations and Payment Services (MOBSPL). YouLend SAS’s registered office is located at the SNCF station, 14 rue de Dunkerque, 75010, Paris. | | Germany | All financing requests are subject to final review before approval. Financing is provided in cooperation with YouLend GmbH and its affiliates. Technical support and customer management provided by YouLend GmbH.Stripe Technology Europe Limited acts as an intermediary and technology provider. Stripe Technology Europe Limited holds a license for loan brokerage pursuant to Sect. 34c para. 1 sentence 1 no. 2 of the German Trade Ordinance. Competent Supervisory Authority: Industrie- und Handelskammer für München und Oberbayern, 80333 München. **https://www.ihk-muenchen.de/de/** | | Australia | Financing is provided by Fundbox, an external finance provider, with payments facilitated by Stripe. Funding amounts, rates, and terms are based on review and approval of a completed application, and are subject to change. Financing offers might require additional documentation. |
If none of your connected accounts are in one of these countries, the Financing tab won't appear. If you have multiple gateways and only some are in eligible countries, you'll still see all your gateways in the selector — but you can only pick an eligible one to view or apply for financing.