# Cómo funciona Stripe Capital Descubre cómo Stripe Capital proporciona financiación a las empresas que cumplen los requisitos. If you’re a *Connect* (Connect is Stripe's solution for multi-party businesses, such as marketplace or software platforms, to route payments between sellers, customers, and other recipients) platform and you want to provide financing to your connected accounts, see [How Capital for platforms works](https://docs.stripe.com/capital/how-capital-for-platforms-works.md) instead. Stripe Capital is available in the following countries: - AU - CA - DE - FR - GB - US Stripe Capital varies by country. Select your country to learn how Capital works: #### US Stripe Capital ofrece financiación para los usuarios que cumplan los requisitos y procesen pagos a través de Stripe. Según el programa de Stripe Capital, la financiación empresarial no tiene comisiones por retraso, comisiones por pago anticipado ni comisiones de apertura. En cambio, el importe total que pagas es el importe del adelanto más una comisión fija. Tus pagos se retienen directamente de tus ventas en Stripe. ## Financing types Stripe, with our financial partner, uses a combination of eligibility criteria (including overall processing volume and history on Stripe) to extend a financing offer. If your US business is eligible, and has at least 3 months of processing history, Stripe might send you an email and Dashboard notification to advise you of an available offer. Cada oferta especifica el tipo de financiación que se ofrece, que puede ser un préstamo o un adelanto de fondos para comerciantes. No puedes solicitar un tipo concreto de financiación bajo el programa de Stripe Capital. | | | **Merchant cash advance** | A merchant cash advance is YouLend’s purchase of your business’s future receivables. It isn’t a loan or a credit transaction. Stripe withholds the purchased receivables from your payment processing volume at the percentage stated in your YouLend Advance Agreement. Unlike a loan, you don’t have a fixed payment schedule or periodic debits. Your payments vary with your payment processing volume. | | **Loans** | Business-purpose term loans are issued by Celtic Bank or Lead Bank to eligible businesses. These loans have a maximum term and periodic payments. If withholdings from your payment processing receivables don’t meet the minimum amount (typically on a 30- or 60-day basis), Stripe debits the shortfall from your linked bank account or account balance. - **Line of credit**: You might be given a choice to borrow (up to a prequalified credit limit) through a line of credit. Apply to draw the exact amount you need within your available limit and access the remaining capital for 90 days. As you make repayments, your available credit replenishes, so you can request more capital. After 90 days, we reevaluate your credit limit. We review and approve each draw as a separate loan. | ## Criterios de admisibilidad Stripe, together with our financing partner, 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 regularly review your business for offer eligibility. If you become eligible, you receive an email, and can view your offer in the Dashboard under the [Capital tab](https://dashboard.stripe.com/capital). To receive emails regarding new offers, update [your email settings](https://go.stripe.global/subscribe?tmp_source=none) to opt into receiving Stripe Capital emails. 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, specific terms, or timing, and doesn’t reflect a credit decision or evaluation. If your business has multiple Stripe accounts, a financing offer might be generated based on the combined information from those accounts. Changes to one account without corresponding updates to others might affect your financing eligibility. This includes changes to your business name, Employer Identification Number (EIN), and business address. ### Minimum eligibility requirements To qualify for a financing offer through Stripe Capital, your business must: - Have processed payments on Stripe for 3 months or more. - Have a processing volume of 5,000 USD minimum per year and an average processing volume of USD 1,000 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 not eligible to receive a new offer for 30 days. - Be based in the US. The Stripe Capital program only supports businesses located or incorporated in the US. Business representatives must also provide a physical US home address. Certain geographic limitations might apply. Funding might not be available in certain states because of local rules and regulations. Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer. ### Important underwriting considerations In addition to the minimum requirements, Capital’s underwriting models might evaluate 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 financing offer. Businesses with positive growth trajectories are more likely to be eligible for an offer. - **A steady processing record**: A consistent processing record with few periods of low or zero volume shows stability and increases your chance to qualify. - **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. ### 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 a Capital offer. - **Connect your business bank account**: Securely [linking your bank account](https://docs.stripe.com/get-started/account/linked-external-accounts.md) lets Stripe view your bank balances and transactions to better determine your eligibility for an offer. - **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. ### Future eligibility terms We base future eligibility and offer terms on your current processing activity on Stripe. Many factors influence this decision, including your Stripe activity, risk assessments, industry standards, and evolving market conditions. We evaluate these elements continuously. We don’t: - Offer account-specific insights regarding future eligibility. - Have emergency or on-demand access to Capital. - Offer a manual review process for account eligibility. - Provide timelines, guarantees, or previews of future offers or terms. - Use additional documents or information submitted outside the Stripe Capital flow to create a separate eligibility review. See our [Privacy Center](https://stripe.com/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms) for more information. ## Revisa tu oferta Your offer is typically valid for 30 days, after which we re-evaluate your business to see if you’re eligible for an additional offer. Go to the [Capital tab](https://dashboard.stripe.com/capital) in the Stripe Dashboard to customize the amount of your offer up to the maximum offer amount. The offer terms adjust based on the amount you choose. The amount and terms shown in your Dashboard reflect the financing offer currently available to your business at that time. If you’re seeking financing at a later time, continue checking your email and the **Capital** tab of the Dashboard to make sure you’re reviewing your most current offer. In some cases, we extend additional offers to you while you’re actively paying your current financing. After you select an offer, we review your application. There might be requests for additional information related to your business to complete the review of your application. If you’re approved, we transfer the funds to your Stripe account, typically in as few as 1–2 business days. To make sure funds successfully disburse from your Stripe account, you must set a valid bank account as your primary payout method. If you’re declined, that decision is final. The Notice of Adverse Action provides the most detailed explanation available for that decision. ## Sin impacto en tu crédito personal Solicitar financiación a través de Stripe Capital puede requerir una comprobación de crédito personal en algunas circunstancias, pero esta comprobación de crédito no afecta a tu puntuación de crédito personal. ## Crea el historial de crédito de tu empresa When you apply for financing through Stripe Capital, Stripe might obtain your business’s credit history through the Small Business Financial Exchange. Additionally, Stripe Capital might report performance or payment history to the Small Business Financial Exchange, who uses this information to build a financial profile for your business, which can help your business get access to financing from other providers. ## Cuentas vinculadas Siempre tienes control sobre las cuentas bancarias que compartes con Stripe y puedes [actualizar o desconectar tus cuentas vinculadas](https://docs.stripe.com/get-started/account/linked-external-accounts.md) en cualquier momento. ## Choose your payout destination When you apply for your Capital financing offer, you can choose where to receive your funds during the application: - **Financial account**: Receive proceeds into your financial account for immediate access to funds you can spend directly. - **External bank account**: Receive proceeds to your linked bank account, typically within 1–2 business days. If your application is approved, Stripe sends the proceeds to your selected destination. ## Devuelve tu financiación El coste total de tu financiación es el importe del préstamo o del adelanto más una comisión fija. El pago de tu financiación se realiza automáticamente mediante la deducción de un porcentaje de tus ventas de Stripe, conocido como *repayment rate*. Esto significa que pagas más cuando tu empresa tiene mayores ventas y menos si la actividad disminuye. La tarifa plana única no se cobra por adelantado, sino que se paga a lo largo de la duración de la financiación. No hay penalización por pago anticipado y puedes realizar pagos adicionales o pagar el importe total que debes en cualquier momento en la [pestaña Capital](https://dashboard.stripe.com/capital) de tu Dashboard. Stripe automatically evaluates you for a new offer as you pay down your financing, regardless of whether you make additional payments or pay it off early. Paying down or paying off financing early doesn’t guarantee a new offer. The timing and terms of any future offer vary based on your business profile at that time. ## Pagos de financiación Stripe Capital financing is generally paid through withholding from payment processing receivables at a rate specified in your financing agreement. Depending on your financing type, there might be periodic minimum payment requirements and a finite term. Specifically, if you took out a loan, you must repay a minimum amount toward your loan every payment period. Amounts withheld as a percentage of your sales at the payment rate count toward your minimum. However, if the total amount you repay through sales doesn’t meet the minimum, you must pay the remaining amount at the end of the period. If you haven’t met the minimum by the end of each payment period, Stripe automatically debits the balance needed to meet your minimum from your bank account or account balance. You can also make manual payments toward your minimum through your Dashboard. You can view your minimum in the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard or in your loan agreement. Si no puedes cumplir con el pago mínimo durante uno o más períodos, contacta con soporte y trabajaremos contigo para ponerte al día y cumplir con las obligaciones de tu préstamo. Si sigues sin cumplir con los mínimos, adoptaremos otras medidas, tal y como se detalla en tu contrato de préstamo. > #### Préstamos en pago fijo > > If your loan has a fixed payment instead of a minimum payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. If your sales withholdings don’t meet the fixed payment by the end of the payment period, Stripe automatically debits the balance. You can also make manual payments at any time through your Dashboard using the **Make payment** option. Your financing agreement specifies whether there is a fixed payment amount. ### Ejemplos Los siguientes escenarios de ejemplo muestran cómo funciona el proceso de pago mínimo para préstamos. | Situación | Minimum payment process | | --- | --- | | You successfully meet your minimum through daily sales deductions | - El pago mínimo correspondiente al período de 60 días que finaliza el 1 de marzo es de 2000 USD. - En ese período, devolviste 2500 USD del saldo del préstamo mediante la deducción que hace Stripe de un porcentaje fijo de tu volumen de ventas (la tasa de reembolso). - You’ve met your minimum and paid an additional 500 USD toward your total balance for this payment period - In the next 60-day period, you still must meet the 2,000 USD minimum. | | You don’t meet your minimum through daily sales deductions | - Tu pago mínimo correspondiente al período de 60 días que finaliza el 1 de marzo es de 2000 USD. - En ese período, devolviste 1500 USD del saldo del préstamo mediante la deducción que hace Stripe de un porcentaje fijo de tu volumen de ventas (la tasa de reembolso). - On March 1, you still owe 500 USD toward your minimum (2,000 USD minus 1,500 USD) and must pay the remaining balance. - El 1 de marzo, Stripe adeuda automáticamente 500 USD en tu cuenta bancaria o en el saldo de tu cuenta para que cumplas con tu pago mínimo. | ## Garantías reales Stripe Capital loan agreements typically include security interests taken as collateral for your loan. A *UCC-1* (A publicly available notice filed by a creditor that secures the creditor's interest in certain assets of a debtor. Creditors file UCC-1 statements with the secretary of state where a business debtor is incorporated at the time a loan first originates) financing statement might be filed in connection with your loan based on several factors, including the size of your loan and facts and circumstances about your business. After you finish paying off your loan, you can [contact us](mailto:capital@stripe.com) with a request to terminate a UCC-1 filing. For merchant cash advances, a security interest might be taken under certain circumstances, as specified in the Stripe Capital advance agreement. > #### Acreedor garantizado desconocido > > A veces, los acreedores recurren a un tercero para presentar y mantener derechos de gravamen en calidad de agente autorizado del acreedor. Wolters Kluwer es el representante externo de Stripe Capital. Si no tienes claro en nombre de qué acreedor actúa el tercero, te recomendamos que contactes con él directamente. ## Impuestos La declaración de impuestos a menudo depende de tu situación específica, por lo que te recomendamos que consultes con un asesor fiscal. Por lo general, los fondos a través de Stripe Capital no se consideran ingresos sujetos a impuestos en el momento de recibirlos, y las cantidades retenidas para satisfacer tus obligaciones no son deducibles fiscalmente. *Stripe Capital loans are issued by Celtic Bank or Lead Bank, powered by Stripe. Stripe Capital merchant cash advances are provided by YouLend.* #### GB Stripe Capital offers financing for eligible UK users processing payments through Stripe. We don’t charge early repayment fees or origination fees. Instead, the total amount you owe is your financing amount plus a fixed fee. Your payments are a percentage of your sales and adjust to your processing volume on Stripe. ## Criterios de admisibilidad Stripe, with our financial partner, uses a combination of factors, including overall processing volume and history on Stripe to determine eligibility for a financing offer. Eligible UK businesses with at least 3 months of processing history receive an email and Dashboard notification if we have an offer available. Stripe has partnered with YouLend to evaluate UK financing applications. We evaluate your business daily for eligibility, which includes your fixed fee pricing, based on your processing volume and history on Stripe. Stripe Capital financing has a single fixed fee that you pay back over the length of the financing. You don’t pay interest over time, and we don’t charge early payment fees. Pagar tu oferta de financiación activa no te cualifica automáticamente para una nueva oferta. Cuando cumples los requisitos para recibir una nueva oferta, esta aparece automáticamente en tu [Dashboard](https://dashboard.stripe.com/capital). Para cumplir los requisitos para las ofertas de financiación adicionales intervienen varios factores. Por lo general, la elegibilidad para recibir financiación adicional está vinculada a las empresas que mantienen reembolsos constantes y han devuelto una parte significativa de su financiación existente. We assess every business regularly, even those actively paying on a financing offer. Even if you aren’t eligible for a new offer today, you might be eligible in the future. For questions regarding eligibility, contact our partner, YouLend, at [stripecapital@youlend.com](mailto:stripecapital@youlend.com). To receive emails regarding new offers, update [your email settings](https://go.stripe.global/subscribe?tmp_source=none) to opt into receiving Stripe Capital emails. 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. If your business has multiple Stripe accounts, a financing offer might be generated based on the combined information from those accounts. Changes to one account without corresponding updates to others might affect your financing eligibility. This includes changes to your business name, business identification number, and business address. ### Minimum eligibility requirements To qualify for an offer through Stripe Capital, your business must: - Be located or incorporated in the UK - Have processed payments on Stripe for at least 3 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 Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer. 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 processing record with few periods of low or zero volume shows stability and increases your chance to qualify 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’s data](https://stripe.com/gb/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms). ### 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. 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, contact us directly at [capital@stripe.com](mailto:capital@stripe.com). See our [Privacy Center](https://stripe.com/gb/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms) for more information. All financing requests are subject to final review before approval. Financing is provided by YouLend. ## Revisa tu oferta When you log in to the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment percentage adjust based on the amount you choose. Your offer is available for 30 days. After that point, your business is automatically re-evaluated to see if you’re eligible for an additional offer. If you’re seeking financing at a later time, check the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard to see if you have another offer. We also send you an email if you have an offer. ## Envía una solicitud para recibir financiación Tras aceptar una oferta, revisaremos tu solicitud. Si recibes la aprobación, transferimos los fondos a tu cuenta bancaria vinculada, normalmente en el transcurso de un día hábil. Para asegurarte de que los fondos desembolsan correctamente, debes establecer una cuenta bancaria válida como método de transferencia principal. When you apply, our partner, YouLend conducts a soft credit check as part of your application. This credit check won’t impact your credit score, but might be visible to other organizations carrying out credit searches. If approved, when you receive financing, a hard footprint will be left on your credit record, which will impact your credit score. Los solicitantes que sean directores y beneficiarios efectivos de la empresa deben proporcionar una garantía personal como parte de la solicitud de financiación. ## Choose your payout destination When you apply for your Capital financing offer, you can choose where to receive your funds during the application: - **Financial account**: Receive proceeds into your financial account for immediate access to funds you can spend directly. - **External bank account**: Receive proceeds to your linked bank account, typically within 1–2 business days. If your application is approved, Stripe sends the proceeds to your selected destination. ## Pago El importe total que debes es el importe de la financiación más una comisión fija, que se paga durante todo el transcurso de la financiación. No pagarás intereses, comisiones por pago anticipado ni tasas de apertura. Pagarás automáticamente tanto la financiación como la comisión fija a través de un porcentaje de tus ventas hasta que pagues el importe total que debes. Esto implica que pagas más cuando la empresa tiene mucha actividad y menos si disminuye la actividad. Después de que pagues la financiación, evaluamos automáticamente tu empresa para una nueva oferta. Pagar tu financiación anticipadamente no significa que cumplas automáticamente los requisitos para recibir una nueva oferta. Cuando cumples los requisitos para recibir una nueva oferta, aparecerá automáticamente en tu Dashboard. If you’re approved for additional financing offers before you pay off your current financing offer, you’ll receive a standardized payment percentage rate across your active financing offers to match your most recently accepted financing offer. Payment of your newly accepted offer begins after your active financing offer is paid off so you’ll only pay off one financing offer at a time. For example, assume that you’re currently paying the first financing offer at a 20% payment percentage rate and have received an offer for additional financing. If you apply for and are approved for the second financing offer with a 15% payment percentage rate, we update the rate for the first financing offer to 15%. Payment for the second financing offer begins after you’ve paid off the first financing offer. As a result, your overall payment percentage rate is 15%. ## Impuestos La declaración de impuestos suele depender de tu situación específica, por lo que te aconsejamos que consultes con un asesor fiscal que garantice una gestión contable correcta. Para obtener más ayuda, contacta con nuestro socio, YouLend, enviando un correo electrónico a [stripecapital@youlend.com](mailto:stripecapital@youlend.com). *All financing requests are subject to final review prior to approval. Financing is provided by YouLend.* #### FR Stripe Capital offers financing for eligible French users processing payments through Stripe. We don’t charge early repayment fees or origination fees. Instead, the total amount you owe is your financing amount plus a fixed fee. Your payments are a percentage of your sales and adjust to your processing volume on Stripe. ## Requisitos Stripe, together with our financial partner, uses a combination of factors, including overall processing volume and history on Stripe to determine eligibility for a financing offer. Eligible French businesses with at least 3 months of processing history receive an email and Dashboard notification if there is an offer available. Stripe partners with YouLend to evaluate financing applications. We evaluate your business regularly for eligibility, which includes your fixed fee pricing, based on your processing volume and history on Stripe. Stripe Capital financing has a single fixed fee that you pay back over the length of the financing. You don’t pay interest over time, and we don’t charge early payment fees. Pagar tu oferta de financiación activa no te cualifica automáticamente para una nueva oferta. Cuando cumples los requisitos para recibir una nueva oferta, esta aparece automáticamente en tu [Dashboard](https://dashboard.stripe.com/capital). Para cumplir los requisitos para las ofertas de financiación adicionales intervienen varios factores. Por lo general, la elegibilidad para recibir financiación adicional está vinculada a las empresas que mantienen reembolsos constantes y han devuelto una parte significativa de su financiación existente. We assess every business regularly, even those actively paying on a financing offer. Even if you aren’t eligible for a new offer today, you might be eligible in the future. For questions regarding eligibility, contact our partner, YouLend, at [stripecapital@youlend.com](mailto:stripecapital@youlend.com). To receive emails regarding new offers, update [your email settings](https://go.stripe.global/subscribe?tmp_source=none) to opt into receiving Stripe Capital emails. 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. > If your business has multiple Stripe accounts, a financing offer might be generated based on the combined information from those accounts. Changes to one account without corresponding updates to others might affect your financing eligibility. This includes changes to your business name, business identification number, and business address. ### Minimum eligibility requirements To qualify for an offer through Stripe Capital, your business must: - Be located or incorporated in France. - Have processed payments on Stripe for at least 3 months. - Have a processing volume of 5,000 EUR and an average processing volume of 1,000 EUR 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%) - Be at least 18 years old on the date of the application - Be able to provide an address in France Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer. 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’s data](https://stripe.com/fr/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms). ### 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. 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, contact us directly at [capital@stripe.com](mailto:capital@stripe.com). See our [Privacy Center](https://stripe.com/fr/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms) for more information. All financing requests are subject to final review before approval. Financing is provided by YouLend. ## Revisa tu oferta When you log in to the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment percentage adjust based on the amount you choose. Your offer is available for 30 days. After that point, your business is automatically re-evaluated to see if you’re eligible for an additional offer. If you’re seeking financing at a later time, check the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard to see if you have another offer. We also send you an email if you have an offer. ## Envía una solicitud para recibir financiación Tras aceptar una oferta, revisamos tu solicitud. Si recibes la aprobación, transferimos los fondos a tu cuenta bancaria vinculada, normalmente en el transcurso de 1 día hábil. Para asegurarte de que los fondos se desembolsan correctamente, debes establecer una cuenta bancaria válida como método de transferencia principal. Los solicitantes que sean el director y un propietario beneficiario de la empresa deben proporcionar una garantía personal como parte de la solicitud de financiación. ## Choose your payout destination When you apply for your Capital financing offer, you can choose where to receive your funds during the application: - **Financial account**: Receive proceeds into your financial account for immediate access to funds you can spend directly. - **External bank account**: Receive proceeds to your linked bank account, typically within 1–2 business days. If your application is approved, Stripe sends the proceeds to your selected destination. ## Pago The total amount you owe is your financing amount plus a fixed fee, which is paid throughout the course of the financing. You won’t pay any interest, early payment fees or origination fees. You’ll automatically pay both the financing and the fixed fee through a percentage of your sales until you pay the total amount you owe. This means you pay more when business is busy and less if things slow down. This is subject to a minimum weekly repayment amount that we expect your sales to exceed, but which you’re obligated to pay under your Business Loan Agreement. ## Financiación adicional A medida que pagas tu financiación, evaluamos automáticamente tu empresa para una nueva oferta. Pagar tu financiación anticipadamente no significa que cumplas automáticamente los requisitos para recibir una nueva oferta. Cuando cumples los requisitos para recibir una nueva oferta, aparece automáticamente en tu Dashboard. If you’re approved for additional financing offers before you pay off your current financing offer, you’ll receive a standardized payment percentage rate across your active financing offers to match your most recently accepted financing offer. Payment of your newly accepted offer begins after your active financing offer is paid off so you’ll only pay off one financing offer at a time. Por ejemplo, supongamos que actualmente estás pagando la primera oferta de financiación con una tasa porcentual de pago del 20 % y has recibido una oferta de financiación adicional. If you apply for and are approved for the second financing offer with a 15% payment percentage rate, we update the rate for the first financing offer to 15%. Payment for the second financing offer begins after you’ve paid off the first financing offer. As a result, your overall payment percentage rate is 15%. ## Impuestos Tax reporting is often dependent on your specific situation, so we recommend that you contact a tax advisor to ensure appropriate accounting. For additional assistance, contact our partner, YouLend, at [stripe-assistance@youlend.com](mailto:stripe-assistance@youlend.com). *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.* *Stripe Technology Europe, Limited, an electronic money institution authorised and regulated by the Central Bank of Ireland (CBI) under registration number C187865, has obtained authorisation from the CBI to provide regulated services in France. For further information, please consult the [Central Bank of Ireland register](https://registers.centralbank.ie/FirmRegisterDataPage.aspx?firmReferenceNumber=C187865®ister=63) or the [European Banking Authority register](https://euclid.eba.europa.eu/register/pir/disclaimer).* *YouLend SAS Orias is registered in the Single Register of Insurance, Banking, and Finance Intermediaries ([ORIAS](https://www.orias.fr/)) 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.* #### DE Stripe Capital offers financing for eligible German users processing payments through Stripe. We don’t charge early repayment fees or origination fees. Instead, the total amount you owe is your financing amount plus a fixed fee. Your payments are a percentage of your sales and adjust to your processing volume on Stripe. ## Criterios de admisibilidad Stripe, together with our financial partner, uses a combination of factors, including overall processing volume and history on Stripe to determine eligibility for a financing offer. Eligible German businesses with at least 3 months of processing history receive an email and Dashboard notification if there is an offer available. Stripe partners with YouLend to evaluate financing applications. We evaluate your business regularly for eligibility, which includes the way in which your fixed fee pricing is calculated, based on your processing volume and history on Stripe. Stripe Capital financing has a single fixed fee that you pay back over the length of the financing. You don’t pay interest over time, and we don’t charge early payment fees. Paying off your active financing offer doesn’t automatically qualify you for a new offer. When you’re eligible for a new offer, it appears automatically in your [Dashboard](https://dashboard.stripe.com/capital). Eligibility for additional financing offers involves several factors. Typically, eligibility for additional funding is linked to businesses that maintain consistent repayments and have repaid a significant portion of their existing funding. We assess every business regularly, even those actively paying on a financing offer. Even if you aren’t eligible for a new offer today, you might be eligible in the future. For questions regarding eligibility, contact our partner, YouLend, at [stripecapital@youlend.com](mailto:stripecapital@youlend.com). To receive emails regarding new offers, update [your email settings](https://go.stripe.global/subscribe?tmp_source=none) to opt into receiving Stripe Capital emails. 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. If your business has multiple Stripe accounts, a financing offer might be generated based on the combined information from those accounts. Changes to one account without corresponding updates to others might affect your financing eligibility. This includes changes to your business name, business identification number, and business address. ### Minimum eligibility requirements To qualify for an offer through Stripe Capital, your business must: - Be located or incorporated in Germany. - Have processed payments on Stripe for at least 3 months. - Have a processing volume of 5,000 EUR and an average processing volume of 1,000 EUR 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%) - Be at least 18 years old on the date of the application - Be able to provide an address in Germany Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer. 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](https://stripe.com/de/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms). ### 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. 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, contact us directly at [capital@stripe.com](mailto:capital@stripe.com). See our [Privacy Center](https://stripe.com/de/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms) for more information. All financing requests are subject to final review before approval. Financing is provided by YouLend. ## Revisa tu oferta When you log in to the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment percentage adjust based on the amount you choose. Your offer is available for 30 days. After 30 days, we automatically re-evaluate your business to see if you’re eligible for an additional offer. If you’re seeking financing at a later time, check the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard to see if you have another offer. We also send you an email if you have an offer. ## Envía una solicitud para recibir financiación After you accept an offer, we and our financing partner, YouLend GmbH, review your application. If you’re approved, the funds are transferred to your linked bank account, typically within 1 business day. To make sure you receive the funds, you must set a valid bank account as your primary payout method. If you’re a director or a beneficial owner of the business, you must provide a personal guarantee as part of the application for financing. ## Choose your payout destination When you apply for your Capital financing offer, you can choose where to receive your funds during the application: - **Financial account**: Receive proceeds into your financial account for immediate access to funds you can spend directly. - **External bank account**: Receive proceeds to your linked bank account, typically within 1–2 business days. If your application is approved, Stripe sends the proceeds to your selected destination. ## Pago The total amount you owe is your financing amount plus a fixed fee, that you pay throughout the course of the financing. You won’t pay any interest, early payment fees or origination fees. You’ll automatically pay both the financing and the fixed fee through a percentage of your sales until you pay the total amount you owe. This means you pay more when business is busy and less if things slow down. This is subject to a minimum weekly repayment amount that we expect your sales to exceed, but which you’re obligated to pay under your Business Loan Agreement. ## Financiación adicional As you pay your financing, we automatically evaluate your business for a new offer. Paying your financing early doesn’t automatically qualify you for a new offer. When you’re eligible for a new offer, it automatically displays in your Dashboard. If you’re approved for additional financing offers before you pay off your current financing, you’ll receive a standardized payment percentage rate across your active financings to match your most recently accepted financing offer. Payment of your newly accepted financing begins when your active financing is paid off, so you only pay off one financing at a time. Por ejemplo, supongamos que actualmente estás pagando la primera oferta de financiación con una tasa porcentual de pago del 20 % y has recibido una oferta de financiación adicional. If you apply for and are approved for the second financing offer with a 15% payment percentage rate, we update the rate for the first financing offer to 15%. Payment for the second financing offer begins after you’ve paid off the first one. As a result, your overall payment percentage rate is 15%. ## Impuestos Tax reporting often depends on your specific situation, so we recommend that you contact a tax advisor to ensure appropriate accounting. For additional assistance, contact our partner, YouLend, at [stripe-kundenservice@youlend.com](mailto:stripe-kundenservice@youlend.com). *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 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.* #### Australia Stripe Capital offers financing for eligible Australian businesses processing payments through Stripe. We don’t charge early repayment fees or late fees. Instead, the total amount you owe is your loan amount plus a fixed fee. Your payments are a percentage of your sales and adjust to your processing volume on Stripe. Stripe has a referral arrangement with Fundbox, an external finance provider. ## Criterios de admisibilidad Stripe, together with our financial partner, uses a combination of factors, including overall processing volume and history on Stripe to determine eligibility for a financing offer. Eligible Australian businesses with at least 3 months of processing history receive an email and Dashboard notification if they have an offer available. Stripe partners with Fundbox to evaluate applications. We evaluate your business regularly for eligibility, which includes how we calculate your fixed fee pricing, based on your processing volume and history on Stripe. Stripe Capital financing has a single fixed fee that you pay back over the length of the loan. You don’t pay interest over time, and we don’t charge early payment fees or late fees. Paying off your active loan doesn’t automatically qualify you for a new offer. When you’re eligible for a new Stripe Capital offer, it appears automatically in your [Dashboard](https://dashboard.stripe.com/capital). Eligibility for additional offers takes several factors into account. Typically, eligibility for additional funding is linked to businesses that maintain consistent repayments and have repaid a significant portion of their existing funding. We assess every business regularly, even those actively paying a loan. Even if you aren’t eligible for a new offer today, you might be eligible in the future. For questions regarding eligibility, [email our partner, Fundbox](mailto:stripe-capital@fundbox.com). To receive emails regarding new offers, update [your email settings](https://go.stripe.global/subscribe?tmp_source=none) to opt into receiving Stripe Capital emails. You might see a banner in the Stripe Dashboard that indicates that you could be eligible for a future offer. This isn’t a guarantee of a future offer, or a promise of specific terms, and it doesn’t reflect a credit decision or evaluation. If your business has multiple Stripe accounts, we might generate a financing offer based on the combined information from those accounts. Changes to one account without corresponding updates to others might affect your financing eligibility. This includes changes to your business name, business identification number, and business address. ### Minimum eligibility requirements To qualify for an offer through Stripe Capital, your business must: - Be located or incorporated in Australia. Businesses in New Zealand aren’t eligible. - Have processed payments on Stripe for at least 3 months. - Have an average processing volume of 1,000 AUD for the last 3 months. - Be in good standing with Stripe Capital. If your business previously applied for a Capital offer that we 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%) - Be at least 18 years old on the date of the application - Be able to provide an address in Australia Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer. In addition to the minimum requirements, Stripe, along with our partner, Fundbox, 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 the data associated with your business](https://stripe.com/au/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms). ### 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. We base our underwriting model 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, contact us directly at [capital@stripe.com](mailto:capital@stripe.com). See our [Privacy Center](https://stripe.com/au/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms) for more information. All financing requests are subject to final review before approval. Financing is provided by Fundbox. ## Revisa tu oferta When you log in to the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment percentage adjust based on the amount you choose. Your offer is available for 30 days. After 30 days, we automatically re-evaluate your business to see if you’re eligible for an additional offer. If you’re seeking financing at a later time, check the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard to see if you have another offer. We also send you an email if you have an offer. ## Envía una solicitud para recibir financiación After you accept an offer, we and our financing partner review your application. If you’re approved, the funds are transferred to your linked bank account, typically within 1 business day. To make sure you receive the funds, you must set a valid bank account as your primary payout method. ## Choose your payout destination When you apply for your Capital financing offer, you can choose where to receive your funds during the application: - **Financial account**: Receive proceeds into your financial account for immediate access to funds you can spend directly. - **External bank account**: Receive proceeds to your linked bank account, typically within 1–2 business days. If your application is approved, Stripe sends the proceeds to your selected destination. ## Loan payment The total amount you owe is your financing amount plus a fixed fee, that you pay throughout the course of the financing. You won’t pay any interest, early payment fees or origination fees. You’ll automatically pay both the financing and the fixed fee through a percentage of your sales until you pay the total amount you owe. This means you pay more when business is busy, and less if things slow down. You generally pay Stripe Capital financing through withholding from payment processing receivables at the rate specified in your financing agreement. There are periodic minimum payment requirements and a finite term that mandates that you repay a minimum amount toward your loan every payment period. Amounts withheld as a percentage of your sales at the payment rate count toward your minimum payment requirement. However, if the total amount you repay through sales doesn’t meet the minimum payment requirement, you must pay the remaining amount at the end of the period. Stripe automatically debits the balance needed to meet your minimum payment requirement from your Stripe account balance or bank account. You can also make manual payments toward your minimum through your Dashboard. You can view your minimum in the Capital tab of your Dashboard or in your loan agreement. If you can’t meet your minimum for one or more periods, contact our financing partner, Fundbox, at stripe-capital@fundbox.com and they can work with you to get back in compliance and meet your loan obligations. If you continue to miss your minimums, we might take additional action, as detailed in your loan agreement. Los siguientes escenarios de ejemplo muestran cómo funciona el proceso de pago mínimo para préstamos. | Ejemplo de escenario | Minimum payment process | | --- | --- | | You successfully meet your minimum through daily sales deductions. | - Your minimum amount is 2,000 AUD for the 30-day period ending on March 1. - In that period, you repaid 2,500 AUD of your loan balance through Stripe deducting a fixed percentage of your sales volume (the repayment rate). - You’ve met your minimum and paid an additional 500 AUD toward your total balance for this payment period. - In the next 30-day period, you still must meet the 2,000 AUD minimum. | | You don’t meet your minimum through daily sales deductions. | - Your minimum is 2,000 AUD for the 30-day period ending on March 1. - In that period, you repaid 1,500 AUD of your loan balance through Stripe deducting a fixed percentage of your sales volume (the repayment rate). - On March 1, you still owe 500 AUD toward your minimum (2,000 AUD minus 1,500 AUD). You must pay the remaining balance of your minimum. - On March 1, Stripe automatically debits 500 AUD from your bank account or account balance to meet your minimum. | ## Financiación adicional As you pay your financing, we automatically evaluate your business for a new offer. Paying your financing early doesn’t automatically qualify you for a new offer. When you’re eligible for a new offer, it automatically displays in your Dashboard. If you’re approved for additional financing offers before you pay off your current financing, the proceeds of your subsequent financing pay off the outstanding balance of your current financing, and you receive the net amount of the offer. ## Impuestos Tax reporting is often dependent on your specific situation, so we recommend that you contact a tax advisor to ensure appropriate accounting. 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. #### CA Stripe Capital offers financing for eligible Canadian businesses processing payments through Stripe. We don’t charge early repayment fees or late fees. Instead, the total amount you owe is your loan amount plus a fixed fee. Your payments are a percentage of your sales and adjust to your processing volume on Stripe. Stripe has a referral arrangement with Fundbox, an external finance provider. ## Eligibility Stripe, together with our financial partner, uses a combination of factors, including overall processing volume and history on Stripe to determine eligibility for a financing offer. Eligible Canadian businesses with at least 3 months of processing history receive an email and Dashboard notification if they have an offer available. Stripe partners with Fundbox to evaluate applications. We evaluate your business regularly for eligibility, which includes how we calculate your fixed fee pricing, based on your processing volume and history on Stripe. Stripe Capital financing has a single fixed fee that you pay back over the length of the loan. You don’t pay interest over time, and we don’t charge early payment fees or late fees. Paying off your active loan doesn’t automatically qualify you for a new offer. When you’re eligible for a new Stripe Capital offer, it appears automatically in your [Dashboard](https://dashboard.stripe.com/capital). Eligibility for additional offers takes several factors into account. Typically, eligibility for additional funding is linked to businesses that maintain consistent repayments and have repaid a significant portion of their existing funding. We assess every business regularly, even those actively paying a loan. Even if you aren’t eligible for a new offer today, you might be eligible in the future. For questions regarding eligibility, [email our partner, Fundbox](mailto:stripe-capital-ca@fundbox.com). To receive emails regarding new offers, update [your email settings](https://go.stripe.global/subscribe?tmp_source=none) to opt into receiving Stripe Capital emails. You might see a banner in the Stripe Dashboard that indicates that you could be eligible for a future offer. This isn’t a guarantee of a future offer, or a promise of specific terms, and it doesn’t reflect a credit decision or evaluation. If your business has multiple Stripe accounts, we might generate a financing offer based on the combined information from those accounts. Changes to one account without corresponding updates to others might affect your financing eligibility. This includes changes to your business name, business identification number, and business address. ### Minimum eligibility requirements To qualify for an offer through Stripe Capital, your business must: - Be located or incorporated in Canada. However, we don’t support: - Businesses in Saskatchewan - Sole proprietors based in Quebec - Have processed payments on Stripe for at least 3 months. - Have an average processing volume of 1,000 CAD for the last 3 months. - Not operate as a fisherperson, farmer, feedlot operator, or ranch operator. - Be in good standing with Stripe Capital. If your business previously applied for a Capital offer that we 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%) - Be at least 18 years old on the date of the application - Be able to provide an address in Canada Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer. In addition to the minimum requirements, Stripe, along with our partner, Fundbox, evaluates 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 the data associated with your business](https://stripe.com/en-ca/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms). ### 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. We base our underwriting model 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, [contact us directly](mailto:capital@stripe.com). See our [Privacy Center](https://stripe.com/en-ca/legal/privacy-center#stripe-capital-direct-and-capital-for-platforms) for more information. All financing requests are subject to final review before approval. Financing is provided by Fundbox. ## Review your offer When you log in to the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment percentage adjust based on the amount you choose. Your offer is available for 30 days. After 30 days, we automatically re-evaluate your business to see if you’re eligible for an additional offer. If you’re seeking financing at a later time, check the [Capital tab](https://dashboard.stripe.com/capital) of your Dashboard to see if you have another offer. We also send you an email if you have an offer. ## Apply for financing After you accept an offer, we and our financing partner review your application. If you’re approved, the funds are transferred to your linked bank account, typically within 1 business day. To make sure you receive the funds, you must set a valid bank account as your primary payout method. ## Loan payment The total amount you owe is your financing amount plus a fixed fee, that you pay throughout the course of the financing. You won’t pay any interest, early payment fees or origination fees. You’ll automatically pay both the financing and the fixed fee through a percentage of your sales until you pay the total amount you owe. This means you pay more when business is busy, and less if things slow down. You generally pay Stripe Capital financing through withholding from payment processing receivables at the rate specified in your financing agreement. You have periodic minimum payment requirements and a finite term that mandates that you repay a minimum amount toward your loan every payment period. Amounts withheld as a percentage of your sales at the payment rate count toward your minimum payment requirement. Withholdings won’t continue beyond this minimum unless you have an overdue amount owed from prior payment periods. However, if the total amount you repay through sales doesn’t meet the minimum payment requirement, you must pay the remaining amount at the end of the period. Stripe automatically debits the balance needed to meet your minimum payment requirement from your Stripe account balance or bank account. You can also make manual payments toward your minimum through your Dashboard. You can view your minimum in the **Capital** tab of your Dashboard or in your loan agreement. If you can’t meet your minimum for one or more periods, contact our financing partner, Fundbox, at [stripe-capital-ca@fundbox.com](mailto:stripe-capital-ca@fundbox.com) and they can work with you to get back in good standing and meet your loan obligations. If you continue to miss your minimums, we might take additional action, as detailed in your loan agreement. The following example scenarios demonstrate how the minimum payment process works for loans. | Example scenario | Minimum payment process | | --- | --- | | You successfully meet your minimum through daily sales deductions. | - Your minimum amount is 2,000 CAD for the 30-day period ending on March 1. - In that period, you repaid 2,000 CAD of your loan balance through Stripe deducting a fixed percentage of your sales volume (the repayment rate). - You’ve met your minimum for this payment period. Withholdings won’t continue beyond this minimum unless you have an overdue amount owed from prior payment periods. - In the next 30-day period, you still must meet the 2,000 CAD minimum. | | You don’t meet your minimum through daily sales deductions. | - Your minimum is 2,000 CAD for the 30-day period ending on March 1. - In that period, you repaid 1,500 CAD of your loan balance through Stripe deducting a fixed percentage of your sales volume (the repayment rate). - On March 1, you still owe 500 CAD toward your minimum (2,000 CAD minus 1,500 CAD). You must pay the remaining balance of your minimum. - On March 1, Stripe automatically debits 500 CAD from your bank account or account balance to meet your minimum. | ## Additional financing As you pay your financing, we automatically evaluate your business for a new offer. Paying your financing early doesn’t automatically qualify you for a new offer. When you’re eligible for a new offer, it automatically displays in your Dashboard. If you’re approved for additional financing offers before you pay off your current financing, the proceeds of your subsequent financing pay off the outstanding balance of your current financing, and you receive the net amount of the offer. ## Taxes Tax reporting is often dependent on your specific situation, so we recommend that you contact a tax advisor to ensure appropriate accounting. *Financing is provided by Fundbox, an external third-party 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. You might be required to provide additional documentation. Stripe receives a fee from Fundbox in connection with financing provided through this program.*