# Cómo funciona Stripe Capital Descubre cómo Stripe Capital ofrece financiación a empresas que cumplen con 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. ### Available in - AU - DE - FR - GB - US Stripe Capital varies by country. Select your country to learn how Capital works: #### US Stripe Capital ofrece financiación para usuarios que cumplan con los requisitos y procesen pagos a través de Stripe. Con el programa Stripe Capital, la financiación empresarial no tiene recargos por mora, por pago anticipado ni por apertura del programa. 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 en efectivo para comerciantes. No puedes solicitar un tipo de financiación en particular 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** | 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. | ## Criterios de elegibilidad 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 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](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. ### 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/legal/privacy-center#stripe-capital) 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. ## Revisa tu oferta La oferta suele ser válida durante 30 días, después de lo cual volveremos a evaluar tu empresa para determinar si cumples con los requisitos para otra oferta. Ve a la [pestaña Capital](https://dashboard.stripe.com/capital) en la Dashboard de Stripe para personalizar el importe de tu oferta hasta el importe máximo de la oferta. Las condiciones de la oferta se ajustarán según el importe que elijas. Si buscas financiación más adelante, sigue revisando tu correo electrónico y la pestaña **Capital** del Dashboard para asegurarte de que estás revisando tu oferta más reciente. En algunos casos, te brindamos más ofertas mientras pagas activamente tu financiación actual. Después de seleccionar una oferta, revisamos tu solicitud. Es posible que se solicite más información relacionada con tu empresa para completar la revisión de tu solicitud. Si tu empresa se aprueba, transferimos los fondos a tu cuenta de Stripe, por lo general, en tan solo uno o dos días hábiles. Para asegurarte de que los fondos se desembolsen correctamente desde tu cuenta de Stripe, debes establecer una cuenta bancaria válida como método principal de transferencia. ## Sin impacto en tu crédito personal Solicitar financiación a través de Stripe Capital puede requerir una verificación de crédito personal en algunas circunstancias, pero esta verificación de crédito no afecta tu puntaje de crédito personal. ## Crea el historial crediticio 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 bancarias 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. ## Paga tu financiación El costo total de tu financiación es el importe del préstamo o adelanto más una comisión fija. El pago de tu financiación se efectúa automáticamente deduciendo un porcentaje de tus ventas de Stripe, conocido como *repayment rate*. Esto significa que pagas más cuando tu negocio tiene mayores ventas y menos si el negocio se desacelera. La comisión fija única no se cobra por adelantado, sino que se paga durante toda la financiación. No hay penalización por pago anticipado, y puedes hacer otros pagos o pagar el importe total que debes en cualquier momento en la [pestaña Capital](https://dashboard.stripe.com/capital) del Dashboard. Stripe te evalúa automáticamente para una nueva oferta a medida que devuelves la financiación, independientemente de si realizas otros pagos o la devuelves antes de tiempo. ## Pagos de la 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 pagar el importe mínimo durante uno o más períodos, ponte en contacto con soporte y trabajaremos contigo para volver a encarrilarte y que puedas cumplir con tus obligaciones del préstamo. Si sigues incumpliendo tus pagos mínimos, es posible que tomemos alguna otra medida, como se detalla en tu contrato de préstamo. > #### Préstamos de pagos fijos > > Si tu préstamo tiene un pago fijo en lugar de un pago mínimo, Stripe dejará de retener montos de tus ventas de Stripe cuando llegues a cubrir el importe del pago fijo. Si tus retenciones de las ventas no cumplen con el pago fijo al final del período de pago, Stripe debita automáticamente el saldo. También puedes realizar pagos manuales en cualquier momento a través de tu Dashboard usando la opción **Realizar pago**. En tu acuerdo de financiación se especificará si hay un importe de pago fijo. ### Ejemplos Los siguientes ejemplos muestran cómo funciona el proceso de pago mínimo para los préstamos. | Escenario | Minimum payment process | | --- | --- | | You successfully meet your minimum through daily sales deductions | - Tu pago mínimo correspondiente al período de 60 días que finaliza el 1 de marzo es de USD 2000. - En ese período, devolviste USD 2,500 del saldo de tu préstamo mediante la devolución que hace Stripe de un porcentaje fijo de tu volumen de ventas (la tasa de devolución). - 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 USD 2000. - En ese período, devolviste USD 1500 del saldo de tu préstamo mediante la devolución que hace Stripe de un porcentaje fijo de tu volumen de ventas (la tasa de devolución). - 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 debitará automáticamente USD 500 de tu cuenta bancaria o del saldo de tu cuenta para que cumplas con tu pago mínimo. | ## Derechos de garantía real 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, facts and circumstances about your business, and so on. 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 desconocido > > A veces, los acreedores recurren a un tercero para presentar y mantener embargos preventivos en calidad de agente autorizado del acreedor. Wolters Kluwer es el representante de terceros de Stripe Capital. Si no tienes claro en nombre de qué acreedor actúa el tercero, te recomendamos que te comuniques directamente con él. ## Impuestos La declaración de impuestos suele depender de cada caso, así que te recomendamos consultar a un asesor fiscal. En general, los fondos recibidos a través de Stripe Capital no se consideran ingresos sujetos a impuestos en el momento de la recepción, y los importes retenidos para cumplir con tus obligaciones no son deducibles de impuestos. *Stripe Capital loans are issued by Celtic 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 elegibilidad 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 6 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. Evaluamos tu empresa diariamente para comprobar si cumples con los requisitos. La evaluación incluye tus tarifas de comisiones fijas, el volumen de procesamiento y el historial que tienes en Stripe. Mientras que muchos productos financieros tradicionales tienen comisiones ocultas o intereses compuestos, Stripe Capital Financing tiene una comisión fija única que devuelves en el período de tiempo que dure la financiación. No pagas intereses si pasa el tiempo ni comisiones por pago anticipado. El pago de tu oferta de financiación activa no te habilita automáticamente a recibir una nueva oferta. Cuando cumplas los requisitos para recibir una nueva oferta, aparecerá automáticamente en tu [Dashboard](https://dashboard.stripe.com/capital). Los criterios de elegibilidad para ofertas de financiación adicionales abarcan varios factores. En general, estos criterios están vinculados a empresas que realizan pagos de constantes y han devuelto una gran parte 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, Employee Identification Number (EIN), 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 - Be able to provide an address in the UK. 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/privacy-center/legal#stripe-capital). ### 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/privacy-center/legal#stripe-capital) for more information. All financing requests are subject to final review before approval. Financing is provided by YouLend. ## Revisa tu oferta Cuando ingresas en la [pestaña Capital](https://dashboard.stripe.com/capital) de tu Dashboard, puedes usar la barra de desplazamiento para elegir un importe personalizado (hasta el importe máximo de la oferta). La comisión de financiación y el porcentaje de pago se ajustarán según el importe que elijas. La oferta está disponible durante 30 días. Después de ese tiempo, se reevalúa a tu empresa automáticamente para determinar si reúnes los requisitos para una nueva oferta. Si buscas financiación más adelante, revisa la [pestaña Capital](https://dashboard.stripe.com/capital) de tu Dashboard para ver si tienes otra oferta. También te enviaremos un correo electrónico si tienes una oferta. ## Solicitar financiación Después de que aceptes la oferta, revisaremos tu solicitud. Si recibes la aprobación, transferimos los fondos a tu cuenta bancaria vinculada, por lo general, en el plazo de 1 día hábil. Para asegurarte de que los fondos se desembolsen de manera correcta, debes establecer una cuenta bancaria válida como método principal de transferencia. Cuando presentas una solicitud, nuestro socio, YouLend, lleva a cabo una evaluación de crédito suave como parte de tu solicitud. Esta evaluación de crédito no afectará a tu puntuación de crédito, pero podría ser visible para otras organizaciones que lleven a cabo búsquedas de crédito. Si se aprueba, cuando recibas el financiamiento, quedará una huella física en tu historial crediticio, lo que afectará tu puntaje crediticio. 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 adeudado es el importe de la financiación más una comisión fija, que se paga durante toda la financiación. No pagarás intereses, comisiones por pago anticipado ni comisiones de apertura. Pagarás automáticamente tanto la financiación como la comisión fija con un porcentaje de tus ventas hasta que pagues el importe total adeudado. Esto significa que pagas más cuando tu empresa tiene mucha actividad y menos si esta actividad disminuye. Después de que pagues la financiación, evaluaremos automáticamente tu empresa para una nueva oferta. Pagar tu financiación de manera anticipada no te habilita automáticamente a recibir una nueva oferta. Cuando cumplas los requisitos para recibir una nueva oferta, esta aparecerá automáticamente en el 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 once your active financing offer is paid off so you’ll only pay off one financing offer at a time. **Example: You’re currently paying Financing Offer 1 at a 20% payment percentage rate and received additional financing.** If you apply, we approve you for *financing offer 2* with a 15% payment percentage rate, we’ll update the rate for *financing offer 1* to 15%. Payment for *financing offer 2* begins when you’ve paid off *financing offer 1*. As a result, your overall payment percentage rate will be 15%. ## Impuestos La declaración de impuestos suele depender de cada caso, de modo que te recomendamos consultar a un asesor fiscal para garantizar una contabilización adecuada. Para obtener más ayuda, ponte en contacto con nuestro socio, YouLend, en [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. ## 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 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. Evaluamos tu empresa regularmente para comprobar si cumples con los requisitos, lo que incluye tus tarifas de comisiones fijas, en función del volumen de procesamiento y el historial que tienes en Stripe. Mientras que muchos productos financieros tradicionales tienen comisiones ocultas o intereses compuestos, Stripe Capital Financing tiene una comisión fija única que devuelves en el período que dure la financiación. No pagas intereses por el tiempo ni comisiones por pago anticipado. El pago de tu oferta de financiación activa no te habilita automáticamente a recibir una nueva oferta. Cuando cumplas los requisitos para recibir una nueva oferta, se mostrará automáticamente en tu [Dashboard](https://dashboard.stripe.com/capital). Los criterios de elegibilidad para ofertas de financiación adicionales abarcan varios factores. En general, estos criterios están vinculados a empresas que realizan pagos constantes y han devuelto una gran parte 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, Employee Identification Number (EIN), 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/privacy-center/legal#stripe-capital). ### 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) for more information. All financing requests are subject to final review prior to approval. Financing is provided by YouLend. ## Revisa tu oferta Cuando ingresas en la [pestaña Capital](https://dashboard.stripe.com/capital) de tu Dashboard, puedes usar la barra de desplazamiento para elegir un importe personalizado (hasta el importe máximo de la oferta). La comisión de financiación y el porcentaje de pago se ajustarán según el importe que elijas. La oferta está disponible durante 30 días. Después de ese tiempo, se vuelve a evaluar a tu empresa automáticamente para determinar si reúne los requisitos para una nueva oferta. Si buscas obtener financiación más adelante, vuelve a revisar la [pestaña Capital](https://dashboard.stripe.com/capital) del Dashboard para ver si tienes otra oferta. De ser así, también te enviaremos un correo electrónico. ## Solicitar financiación Después de que aceptes la oferta, revisaremos tu solicitud. Si tu cuenta es aprobada, transferimos los fondos a tu cuenta bancaria vinculada, por lo general, en el plazo de 1 día hábil. Para asegurarte de que los fondos se desembolsen de manera correcta, debes establecer una cuenta bancaria válida como método principal de transferencia. 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 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 la financiación, evaluamos automáticamente tu empresa para recibir una nueva oferta. Pagar tu financiación con anticipación no te habilita automáticamente a recibir una nueva oferta. Cuando cumplas los requisitos para recibir una nueva oferta, esta aparecerá automáticamente en el 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 once your active financing offer is paid off so you’ll only pay off one financing offer at a time. Supongamos que estás pagando la primera oferta de financiación a una tasa porcentual de pago del 20 % y que has recibido una oferta de financiación adicional. Si solicitas una segunda oferta de financiación con una tasa porcentual de pago del 15 % y te la aprueban, actualizaremos la tasa de la primera oferta de financiación al 15 %. El pago de la segunda oferta de financiación comienza una vez que hayas pagado la primera. Como resultado, tu tasa porcentual de pago total será del 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 elegibilidad 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. While many traditional financial products have hidden fees or compounding interest, 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/privacy-center/legal#stripe-capital). ### 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) for more information. All financing requests are subject to final review prior to approval. Financing is provided by YouLend. ## Revisa tu oferta Cuando ingresas en la [pestaña Capital](https://dashboard.stripe.com/capital) de tu Dashboard, puedes usar la barra de desplazamiento para elegir un importe personalizado (hasta el importe máximo de la oferta). La comisión de financiación y el porcentaje de pago se ajustarán según el importe que elijas. 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’ll also send you an email if you have an offer. ## Solicitar 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. Supongamos que estás pagando la primera oferta de financiación a una tasa porcentual de pago del 20 % y que 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’ll 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 would be 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.* #### AU 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 elegibilidad 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. While many traditional financial products have hidden fees or compounding interest, 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. We don’t support New Zealand at this time. - 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/privacy-center/legal#stripe-capital). ### 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) for more information. All financing requests are subject to final review before approval. Financing is provided by Fundbox. ## Revisa tu oferta Cuando ingresas en la [pestaña Capital](https://dashboard.stripe.com/capital) de tu Dashboard, puedes usar la barra de desplazamiento para elegir un importe personalizado (hasta el importe máximo de la oferta). La comisión de financiación y el porcentaje de pago se ajustarán según el importe que elijas. 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’ll also send you an email if you have an offer. ## Solicitar 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. 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. ## 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 ejemplos muestran cómo funciona el proceso de pago mínimo para los préstamos. | Example scenario | Minimum payment process | | --- | --- | | You successfully meet your minimum through daily sales deductions. | - Your minimum amount is 2,000 AUD for the 60-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 60-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 60-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.