Eligibility is primarily based on your sales activity through Stripe. Businesses must:

• Operate in the U.S.
• Have at least 6 months of Stripe processing history.
• Process at least $5,000 in annual volume.
• Not have been declined for Stripe Capital in the past 30 days.

There are no credit score requirements or additional documentation needed.

You cannot apply directly. Stripe evaluates your account based on sales data and sends a notification via email or your Stripe dashboard if you qualify. From there, you can review available offers, select a loan amount, and sign an agreement. Funds are deposited into your Stripe account within 1-2 business days.

• No credit check or lengthy application process.
• Fixed, transparent fees with no prepayment penalties.
• Automatic repayment through a percentage of your daily Stripe sales.
• Flexible repayment terms tailored to your business’s performance.

• Only available to Stripe users.
• Lack of clarity on the exact eligibility requirements.
• Minimum payments are required every 60 days, regardless of sales volume.
• High costs associated with the merchant cash advance-like structure.
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• Stripe evaluates your sales volume, account activity, and dispute rate to determine eligibility. Factors such as consistent sales growth and high processing volumes can improve your chances.

• Minimum payments are required every 60 days, regardless of sales volume.
• High costs associated with the merchant cash advance-like structure.
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Stripe requires all borrowers to meet a minimum payment every 60 days. If this isn’t met through daily deductions, the remaining balance must be paid manually. Failing to meet the minimum payment could result in Stripe deducting the balance from your Stripe or linked business account.

Yes, you can pay off your loan early without penalties. Early repayment does not guarantee an immediate new offer, but borrowers may become eligible for additional funding after paying off at least 75% of their balance.

If your business is declined, you must wait at least 30 days before becoming eligible for reconsideration. Improving sales volume, maintaining consistent account activity, and reducing disputes can increase your chances of qualifying in the future.

Reviews often mention the program’s convenience and ease of use for Stripe users, with no application process or credit score requirements. However, some borrowers express concerns about the lack of transparency around eligibility and the minimum payment structure.