Cara kerja Stripe Capital

Pelajari cara Stripe Capital menyediakan pembiayaan bagi bisnis yang memenuhi syarat.

Available in

Amerika Serikat

Australia

Britania Raya

Jerman

Prancis

Stripe Capital varies by country. Select your country to learn how Capital works:

Stripe Capital menawarkan pembiayaan bagi pengguna yang memenuhi syarat dan memproses pembayaran melalui Stripe. Berdasarkan program Stripe Capital, pembiayaan bisnis tidak memiliki biaya keterlambatan, biaya pembayaran lebih awal, atau biaya pemrosesan. Sebaliknya, total jumlah yang Anda bayarkan adalah jumlah cash advance ditambah biaya tetap. Pembayaran Anda ditahan secara langsung dari penjualan di 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.

Setiap penawaran menentukan tipe pembiayaan yang sedang ditawarkan, yang mungkin berupa pinjaman atau merchant cash advance. Anda tidak dapat meminta tipe pembiayaan tertentu berdasarkan program 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	Celtic Bank issues business-purpose term loans 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.

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

Celtic Bank issues business-purpose term loans 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.

Kelayakan

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. To receive emails regarding new offers, update your email settings 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, Employee 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 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.

Get feedback on your eligibility

If you have any questions regarding your offer eligibility, contact us directly at capital@stripe.com. See our Privacy Center for more information. Stripe determines your eligibility for a financing offer based on a variety of factors related to your Stripe accounts, including your processing volume and the size of your customer base.

Tinjau penawaran Anda

Penawaran biasanya berlaku selama 30 hari, setelah itu kami mengevaluasi kembali bisnis Anda untuk mengetahui apakah Anda memenuhi syarat untuk penawaran tambahan. Buka tab Capital di Dashboard Stripe untuk menyesuaikan jumlah penawaran Anda hingga jumlah penawaran maksimum. Ketentuan penawaran disesuaikan berdasarkan jumlah yang Anda pilih. Jika Anda mencari pembiayaan di lain waktu, terus periksa email dan tab Capital di Dashboard untuk memastikan Anda meninjau penawaran terbaru. Dalam beberapa kasus, kami memberikan penawaran tambahan saat Anda secara aktif membayar pembiayaan saat ini.

Setelah Anda memilih penawaran, kami akan meninjau aplikasi Anda. Mungkin ada permintaan informasi tambahan yang terkait dengan bisnis Anda untuk menyelesaikan peninjauan aplikasi. Jika Anda disetujui, kami akan mentransfer dana ke akun Stripe Anda, biasanya hanya dalam waktu 1–2 hari kerja. Untuk memastikan dana berhasil dicairkan dari akun Stripe, Anda harus mengatur rekening bank yang valid sebagai metode payout utama.

Tidak berdampak pada kredit pribadi Anda

Pengajuan pembiayaan melalui Stripe Capital mungkin memerlukan pemeriksaan kredit pribadi dalam beberapa keadaan, tetapi pemeriksaan kredit ini tidak memengaruhi skor kredit pribadi Anda.

Bangun riwayat kredit bisnis Anda

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 may 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.

Rekening tertaut

Anda selalu memiliki kontrol atas rekening bank yang dibagikan dengan Stripe dan dapat memperbarui atau memutuskan rekening tertaut Anda kapan saja.

Lunasi pembiayaan Anda

Total biaya pembiayaan Anda adalah pinjaman atau jumlah cash advance ditambah biaya tetap. Pembayaran pembiayaan terjadi secara otomatis dengan memotong persentase dari penjualan Stripe Anda, yang dikenal sebagai rasio pembayaran kembali. Ini berarti Anda membayar lebih banyak bila penjualan bisnis lebih tinggi dan membayar lebih sedikit bila bisnis melambat. Biaya tetap tunggal tidak di-charge di muka—dibayarkan di sepanjang masa pembiayaan.

Tidak ada penalti pembayaran di muka, dan Anda dapat melakukan pembayaran tambahan atau membayar total jumlah yang terutang kapan saja di tab Capital Dashboard.

Stripe secara otomatis mengevaluasi Anda untuk penawaran baru saat Anda melunasi pembiayaan, terlepas dari apakah Anda melakukan pembayaran tambahan atau melunasinya lebih awal.

Pembayaran pembiayaan

Pembiayaan Stripe Capital umumnya dibayarkan melalui pemotongan piutang dari pemrosesan pembayaran pada kurs yang ditentukan dalam perjanjian pembiayaan Anda. Tergantung tipe pembiayaan Anda, mungkin ada persyaratan pembayaran minimum berkala dan ketentuan terbatas.

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 of your Dashboard or in your loan agreement.

Jika Anda tidak dapat memenuhi minimum untuk satu atau beberapa periode, hubungi dukungan dan kami akan bekerja sama dengan Anda untuk kembali ke jalur yang benar dan memenuhi kewajiban pinjaman Anda. Jika Anda terus melewatkan minimum, kami mungkin akan mengambil tindakan tambahan, sebagaimana diuraikan dalam perjanjian pinjaman Anda.

Pinjaman pembayaran tetap

Jika pinjaman Anda memiliki pembayaran tetap, bukan pembayaran minimum, Stripe menghentikan pemotongan pajak dari penjualan Stripe bila Anda memenuhi jumlah pembayaran tetap. Jika pemotongan penjualan Anda tidak memenuhi pembayaran tetap pada akhir periode pembayaran, Stripe secara otomatis mendebit saldo. Anda juga dapat melakukan pembayaran manual kapan saja melalui Dashboard menggunakan opsi Lakukan pembayaran. Perjanjian pembiayaan Anda akan menentukan apakah ada jumlah pembayaran tetap.

Contoh

Contoh skenario berikut menunjukkan cara kerja proses pembayaran minimum untuk pinjaman.

Skenario	Minimum payment process
You successfully meet your minimum through daily sales deductions	Jumlah minimum Anda adalah 2.000 USD untuk periode 60 hari yang berakhir tanggal 1 Maret. Dalam periode tersebut, Anda melunasi USD 2.500 dari saldo pinjaman lewat Stripe yang memotong persentase tetap dari volume penjualan Anda (tarif pelunasan). 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	Minimum Anda adalah 2.000 USD untuk periode 60 hari yang berakhir tanggal 1 Maret. Dalam periode tersebut, Anda melunasi 1.500 USD dari saldo pinjaman lewat Stripe yang memotong persentase tetap dari volume penjualan Anda (tarif pelunasan). On March 1, you still owe 500 USD toward your minimum (2,000 USD minus 1,500 USD) and must pay the remaining balance. Pada tanggal 1 Maret, Stripe otomatis memotong 500 USD dari rekening bank atau saldo rekening Anda untuk memenuhi minimum.

Skenario

Minimum payment process

You successfully meet your minimum through daily sales deductions

Jumlah minimum Anda adalah 2.000 USD untuk periode 60 hari yang berakhir tanggal 1 Maret.
Dalam periode tersebut, Anda melunasi USD 2.500 dari saldo pinjaman lewat Stripe yang memotong persentase tetap dari volume penjualan Anda (tarif pelunasan).
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

Minimum Anda adalah 2.000 USD untuk periode 60 hari yang berakhir tanggal 1 Maret.
Dalam periode tersebut, Anda melunasi 1.500 USD dari saldo pinjaman lewat Stripe yang memotong persentase tetap dari volume penjualan Anda (tarif pelunasan).
On March 1, you still owe 500 USD toward your minimum (2,000 USD minus 1,500 USD) and must pay the remaining balance.
Pada tanggal 1 Maret, Stripe otomatis memotong 500 USD dari rekening bank atau saldo rekening Anda untuk memenuhi minimum.

Kepentingan keamanan

Stripe Capital loan agreements typically include security interests taken as collateral for your loan. A UCC-1 financing statement might be filed in connection with your loan based on several factors, including the size of your loan, facts and circumstances about your business, and so on. After you finish paying off your loan, you can contact us with a request to terminate a UCC-1 filing. For merchant cash advances, a security interest may be taken under certain circumstances, as specified in the Stripe Capital advance agreement.

Pihak aman tak dikenal

Kreditur terkadang menggunakan pihak ketiga untuk menyampaikan dan mempertahankan posisi gadai sebagai agen terdaftar dari kreditur. Wolters Kluwer adalah perwakilan pihak ketiga Stripe Capital. Jika Anda tidak yakin dengan kreditur mana yang atas namanya pihak ketiga bertindak, kami merekomendasikan Anda menghubungi pihak ketiga tersebut secara langsung.

Pajak

Pelaporan pajak sering kali tergantung pada situasi Anda secara spesifik, sehingga kami menyarankan Anda untuk berbicara dengan penasihat pajak. Secara umum, dana yang didapat melalui Stripe Capital tidak dianggap sebagai penghasilan kena pajak pada saat menerima, dan jumlah yang ditahan untuk memenuhi kewajiban Anda tidak dapat dianggap sebagai pengurang pajak.

Stripe Capital loans are issued by Celtic Bank, powered by Stripe. Stripe Capital merchant cash advances are provided by YouLend.