Stripe Capital eligibility

Stripe, together with our partner, YouLend, determines your eligibility for an offer based on a variety of factors related to your Stripe accounts, including your processing volume and the size of your customer base. We review your business for offer eligibility on a daily basis. If you become eligible, you receive an email, and can view your offer in the Dashboard under the Capital tab.

You might see a banner in the Stripe Dashboard that indicates that you’re on track for a future offer. This isn’t a guarantee of a future offer or of specific terms and doesn’t reflect a credit decision or evaluation.

Minimum eligibility requirements

To qualify for an offer through Stripe Capital, your business must:

• Be a business located or incorporated in the UK.
• Have processed payments on Stripe for at least 6 months.
• Have a processing volume of 5,000 GBP minimum per year and an average processing volume of 1,000 GBP for the last 3 months.
• Be in good standing with Stripe Capital. If your business previously applied for a Capital offer and was rejected, you’re ineligible to receive a new offer for 90 days.

Additionally, the person applying for and guaranteeing the offer must:

• Be a Representative, Controller, or Director with significant ownership (at least 25%)
• Have an address in the UK to support a credit check
• Be at least 18 years old on the date of the application

Important factors we consider

In addition to the minimum requirements, Stripe, along with our partner, YouLend, evaluate many other characteristics of your business to determine eligibility. We’ve highlighted some key considerations:

• A growing business. How much you process through Stripe influences the size of your funding offer. Businesses with positive growth trajectories are more likely to be eligible for an offer.
• A steady processing record. A consistent, steady processing record with limited periods of low or zero volume shows stability in your business and increases your likelihood of qualifying for an offer.
• A large customer base. Businesses with more customers are more likely to be eligible for an offer.
• A low dispute rate. Businesses with low rates of unresolved chargebacks are more likely to qualify for funding.

Learn more about how Stripe uses and protects your business’ data at this link.

Additional steps you can take

The more information we can see about the health of your business, the better we can evaluate your eligibility for Stripe financing.

• Bring more processing volume onto Stripe. Our underwriting model is based on the payment volume that you process on Stripe. Shifting transaction volume from other payment sources onto Stripe increases your overall Stripe processing volume and improves your likelihood of receiving an offer.

Get feedback on your eligibility

If you have any questions regarding your offer eligibility, reach out to us directly at capital@stripe.com.

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All financing requests are subject to final review prior to approval. Financing is provided by YouLend.