Stripe Capital

About Stripe

Stripe is a global financial technology company that provides online payment processing and business infrastructure for businesses of all sizes. Founded in 2010, Stripe powers payments for millions of companies worldwide, ranging from startups and ecommerce stores to enterprise-level platforms.

Its services include online payment processing, subscription billing, invoicing, fraud prevention tools, ecommerce integrations, Tap to Pay technology, and in-person payment solutions through Stripe Terminal. Alongside its payment infrastructure, Stripe also offers access to business funding through Stripe Capital.

Key Milestones

• Founded in 2010 by Patrick and John Collison
• More than 1 million UK businesses use Stripe
• Businesses using Stripe processed over $1.9 trillion in payments globally in 2025
• Operates in more than 40 countries worldwide
• Launched Stripe Capital in September 2019 to provide flexible funding to eligible businesses
• Partnered with embedded finance provider YouLend to support merchant cash advance and revenue-based funding solutions for UK SMEs

Stripe Capital Cash Advance – At a Glance

Stripe Capital is a merchant cash advance solution designed for eligible businesses that process payments through Stripe. It allows businesses to access upfront working capital based on their Stripe payment processing history and future card sales.

Unlike a traditional business loan with fixed monthly repayments, Stripe Capital repayments are automatically collected as a fixed percentage of daily card sales processed through Stripe. This flexible repayment structure means businesses repay more during busy trading periods and less when sales are lower, helping to support cash flow management.

Funding through Stripe Capital is provided by financing partner YouLend, meaning Stripe acts as the payment platform and funding partner rather than a direct lender. Funding amounts are typically based on transaction volume, account performance, and trading history through Stripe.

Businesses can use Stripe Capital funding for a range of purposes, including, managing cash flow, purchasing stock, hiring staff, marketing, or investing in business growth.

Eligibility Criteria

Stripe Capital is initially available to selected UK businesses based on factors including payment volume, trading history, and overall account performance on Stripe.

To qualify for a Stripe Capital funding offer, businesses will typically need to:

• Be based in the UK
• Operate as a sole trader, partnership, or limited company
• Have processed payments through Stripe for at least 3 months
• Process a minimum of £5,000 per year in card transactions
• Maintain an average processing volume of at least £1,000 over the last 3 months
• Have an applicant aged 18 or over with a UK residential address

How to Apply for Stripe Capital

Eligible businesses can apply for Stripe Capital directly through their Stripe Dashboard.

Funding offers are generated using Stripe account activity and payment processing history, allowing businesses to review available offers without completing lengthy paperwork.

Application process

1. Log in to your Stripe Dashboard
2. Check whether a funding offer is available
3. Select the funding amount that suits your business needs
4. Review the repayment rate and fixed fee
5. Submit your application online

If approved, funds are typically transferred to your business bank account by the next business day.

Repayments are then automatically collected as a fixed percentage of daily sales processed through Stripe until the agreed balance has been repaid.

Reviews

Stripe has a 'Poor' 1.8 rating on Trustpilot.

This rating reflects Stripe’s overall experience and does not specifically relate to the Stripe Capital funding product, which operates as a separate embedded finance offering for eligible businesses.