# Come funziona Stripe Capital Come Stripe Capital offre finanziamenti alle attività idonee 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 offre finanziamenti per gli utenti idonei che elaborano pagamenti tramite Stripe. Nell’ambito del programma Stripe Capital, i finanziamenti aziendali non prevedono commissioni per ritardato pagamento, per pagamento anticipato o per l’emissione. Invece, l’importo totale che paghi è l’importo dell’anticipo più una commissione fissa. I pagamenti vengono trattenuti direttamente dalle tue vendite su 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. Ogni offerta specifica il tipo di finanziamento offerto, che può essere un prestito o un anticipo in contanti dell’esercente. Non puoi richiedere un particolare tipo di finanziamento nell’ambito del programma 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. | ## Idoneità 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. ## Rivedi l’offerta In genere l’offerta è valida per 30 giorni, dopodiché rivalutiamo la tua attività per verificarne l’idoneità a un’ulteriore offerta. Vai alla [scheda Capital](https://dashboard.stripe.com/capital) nella Dashboard Stripe per personalizzare l’importo della tua offerta fino all’importo dell’offerta massima. I termini dell’offerta vengono modificati in base all’importo scelto. Se cerchi finanziamenti in seguito, continua a controllare la posta elettronica e la scheda **Capital** della Dashboard per assicurarti di rivedere l’offerta più recente. In alcuni casi, ti forniamo ulteriori offerte mentre effettui attivamente il pagamento del finanziamento corrente. Una volta selezionata un’offerta, esaminiamo la tua domanda. Potrebbero essere richieste ulteriori informazioni relative alla tua attività per completare la revisione della tua richiesta. Se la richiesta viene approvata, trasferiamo i fondi sul tuo account Stripe, in genere in appena 1-2 giorni lavorativi. Per assicurarti che i fondi vengano erogati correttamente dal tuo account Stripe, devi impostare un conto bancario valido come metodo di pagamento principale. ## Nessun impatto sul tuo credito personale Una richiesta di finanziamento tramite Stripe Capital potrebbe richiedere una verifica della solvibilità personale in alcune circostanze, ma questa verifica della solvibilità non influisce sul tuo punteggio di solvibilità personale. ## Costruisci la storia creditizia della tua attività 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. ## Account collegati Hai sempre il controllo dei conti bancari che condividi con Stripe e puoi [aggiornare o scollegare i tuoi conti collegati](https://docs.stripe.com/get-started/account/linked-external-accounts.md) in qualsiasi momento. ## Restituisci il tuo finanziamento Il costo totale del finanziamento è rappresentato dall’importo del prestito o dell’anticipo più una commissione fissa. Il pagamento del finanziamento avviene automaticamente deducendo una percentuale sulle vendite Stripe, nota come *repayment rate*. Ciò significa che pagherai un importo maggiore se le vendite della tua attività sono più elevate e inferiore se l’attività rallenta. La commissione fissa unica non viene addebitata anticipatamente, ma viene pagata per tutta la durata del finanziamento. Non sono previste penali per il pagamento anticipato e puoi effettuare pagamenti aggiuntivi o pagare l’importo totale dovuto in qualsiasi momento nella [scheda Capital](https://dashboard.stripe.com/capital) della Dashboard. Stripe valuta automaticamente la tua idoneità per una nuova offerta di finanziamento man mano che rimborsi quella attuale, a prescindere che tu effettui pagamenti aggiuntivi o anticipati. ## Pagamenti del finanziamento 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. Se non riesci a ripagare il minimo per uno o più periodi, contatta l’assistenza e ti aiuteremo a rimetterti in carreggiata e ad assolvere agli obblighi del prestito. Se continui a non ripagare i minimi, potremmo intraprendere ulteriori azioni, come descritto nel contratto di prestito. > #### Prestiti a pagamento fisso > > Se il tuo prestito ha un pagamento fisso anziché un pagamento minimo, Stripe interrompe le trattenute sulle vendite Stripe quando raggiungi l’importo del pagamento fisso. Se le trattenute sulle vendite non raggiungono il pagamento fisso entro la fine del periodo di pagamento, Stripe addebita automaticamente l’importo sul saldo. Puoi anche effettuare pagamenti manuali in qualsiasi momento tramite la Dashboard utilizzando l’opzione **Effettua pagamento**. Il tuo contratto di finanziamento specificherà se è previsto un importo di pagamento fisso. ### Esempi Gli scenari di esempio seguenti illustrano il funzionamento del processo di pagamento minimo per i prestiti. | Scenario | Minimum payment process | | ----------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | You successfully meet your minimum through daily sales deductions | - L’importo del tuo minimo è di 2.000 USD per il periodo di 60 giorni che termina il 1° marzo. - In tale periodo, hai ripagato 2.500 EUR del saldo del prestito con la detrazione di una percentuale fissa sul volume delle tue vendite (il tasso di rimborso). - 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 | - Il tuo minimo è di 2.000 USD per il periodo di 60 giorni che termina il 1° marzo. - In tale periodo, hai ripagato 1.500 USD del saldo del prestito con la detrazione di una percentuale fissa sul volume delle tue vendite (il tasso di rimborso). - On March 1, you still owe 500 USD toward your minimum (2,000 USD minus 1,500 USD) and must pay the remaining balance. - Il 1° marzo Stripe addebita automaticamente 500 USD sul tuo conto bancario o sul saldo del tuo account per ripagare il tuo minimo. | ## Interessi di sicurezza 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. > #### Parte protetta sconosciuta > > Alle volte i creditori si servono di una terza parte per presentare un modulo di garanzia e mantenere l’ordine di priorità dei creditori, come la loro agenzia di recupero crediti. Wolters Kluwer è il rappresentante esterno di Stripe Capital. Se hai dubbi in merito a quale sia il creditore rappresentato dalla terza parte, ti consigliamo di contattare direttamente tale terza parte. ## Imposte La reportistica fiscale spesso dipende dalla situazione specifica, quindi ti invitiamo a rivolgerti a un commercialista. In generale, i fondi ottenuti tramite Stripe Capital non sono considerati reddito imponibile al momento del ricevimento e gli importi trattenuti per soddisfare i tuoi obblighi non sono fiscalmente deducibili. *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. ## Idoneità 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. Valutiamo quotidianamente l’idoneità della tua attività e con essa anche il costo della commissione fissa, basato sul tuo volume di elaborazione e sulla tua cronologia in Stripe. Mentre molti prodotti finanziari tradizionali hanno commissioni nascoste o interessi composti, i finanziamenti di Stripe Capital hanno una sola commissione fissa da pagare durante il finanziamento. Non paghi gli interessi nel tempo e non addebitiamo commissioni per il rimborso anticipato. La restituzione di un’offerta di finanziamento attiva non ti dà diritto automaticamente a una nuova offerta. Quando soddisfi i requisiti per una nuova offerta, questa viene visualizzata automaticamente nella tua [Dashboard](https://dashboard.stripe.com/capital). L’idoneità a ulteriori offerte di finanziamento dipende da diversi fattori. In genere, l’idoneità a ricevere finanziamenti aggiuntivi è legata alle attività che effettuano rimborsi regolari e hanno restituito una parte significativa del finanziamento esistente. 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. ## Rivedi l’offerta Quando accedi alla [scheda Capital](https://dashboard.stripe.com/capital) della tua Dashboard, puoi utilizzare il dispositivo di scorrimento per scegliere un importo personalizzato non superiore all’importo dell’offerta massima. La commissione per il finanziamento e la percentuale del pagamento variano in base all’importo scelto. L’offerta è disponibile per 30 giorni, dopodiché rivaluteremo automaticamente la tua azienda per verificarne l’idoneità a un’ulteriore offerta. Se cerchi finanziamenti in un momento successivo, controlla la [scheda Capital](https://dashboard.stripe.com/capital) della tua Dashboard per verificare la disponibilità di un’altra offerta. Ti segnaleremo comunque le offerte anche via email. ## Richiedi un finanziamento Quando accetti un’offerta, esaminiamo la tua richiesta. Se viene approvata, trasferiamo i fondi sul tuo conto bancario collegato, in genere entro un giorno lavorativo. Per assicurarti che i fondi vengano erogati correttamente, devi impostare un conto bancario valido come metodo di pagamento principale. Quando fai domanda, il nostro partner YouLend esegue una rapida verifica della solvibilità nell’ambito della tua richiesta. Questa verifica della solvibilità non influirà sul tuo punteggio di credito, ma potrebbe essere visibile ad altre organizzazioni che effettuano verifiche analoghe. Se il finanziamento viene approvato, quando lo ricevi viene registrato nella tua documentazione e influirà sul tuo punteggio di credito. I richiedenti che sono amministratori e beneficiari effettivi dell’attività devono fornire una garanzia personale nell’ambito della richiesta di finanziamento. ## Pagamento L’importo totale dovuto corrisponde all’importo del finanziamento più una commissione fissa, che viene pagata nel corso del finanziamento. Non pagherai interessi, commissioni per il rimborso anticipato o per l’emissione. Pagherai automaticamente il finanziamento e la commissione fissa tramite una percentuale sulle vendite fino al raggiungimento dell’intero importo dovuto. Ciò significa che pagherai un importo maggiore se l’attività procede bene e inferiore se rallenta. Una volta rimborsato il finanziamento, valutiamo automaticamente la tua attività per una nuova offerta. La restituzione anticipata del finanziamento non ti dà diritto automaticamente a una nuova offerta. Quando soddisfi i requisiti di idoneità per una nuova offerta, viene visualizzata automaticamente nella tua 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%. ## Imposte La reportistica fiscale spesso dipende dalla situazione specifica. Ti invitiamo pertanto a rivolgerti a un commercialista per un’assistenza contabile adeguata. Per ricevere ulteriore assistenza, contatta il nostro partner, YouLend, all’indirizzo [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. ## Idoneità 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. Valutiamo quotidianamente l’idoneità della tua attività e con essa anche il costo della commissione fissa, basato sul tuo volume di elaborazione e sulla tua cronologia in Stripe. Mentre molti prodotti finanziari tradizionali hanno commissioni nascoste o interessi composti, i finanziamenti di Stripe Capital hanno una sola commissione fissa da pagare durante il finanziamento. Non paghi gli interessi nel tempo e non addebitiamo commissioni per il rimborso anticipato. La restituzione di un’offerta di finanziamento attiva non ti dà diritto automaticamente a una nuova offerta. Quando soddisfi i requisiti per una nuova offerta, questa viene visualizzata automaticamente nella tua [Dashboard](https://dashboard.stripe.com/capital). L’idoneità a ulteriori offerte di finanziamento dipende da diversi fattori. In genere, l’idoneità a ricevere finanziamenti aggiuntivi è legata alle attività che effettuano rimborsi regolari e hanno restituito una parte significativa del finanziamento esistente. 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. ## Rivedi l’offerta Quando accedi alla [scheda Capital](https://dashboard.stripe.com/capital) della tua Dashboard, puoi utilizzare il dispositivo di scorrimento per scegliere un importo personalizzato non superiore all’importo dell’offerta massima. La commissione per il finanziamento e la percentuale del pagamento variano in base all’importo scelto. L’offerta è disponibile per 30 giorni, dopodiché rivaluteremo automaticamente la tua azienda per verificarne l’idoneità a un’ulteriore offerta. Se cerchi finanziamenti in un momento successivo, controlla la [scheda Capital](https://dashboard.stripe.com/capital) della tua Dashboard per verificare la disponibilità di un’altra offerta. Ti segnaleremo comunque le offerte anche via email. ## Richiedi un finanziamento Quando accetti un’offerta, esaminiamo la tua richiesta. Se viene approvata, trasferiamo i fondi sul tuo conto bancario collegato, in genere entro un giorno lavorativo. Per assicurarti che i fondi vengano erogati correttamente, devi impostare un conto bancario valido come metodo di pagamento principale. I richiedenti che sono amministratori e beneficiari effettivi dell’attività devono fornire una garanzia personale nell’ambito della richiesta di finanziamento. ## Pagamento 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. ## Finanziamento aggiuntivo Man mano che paghi il finanziamento, valutiamo automaticamente la tua attività per una nuova offerta. La restituzione anticipata del finanziamento non ti dà diritto automaticamente a una nuova offerta. Quando soddisfi i requisiti di idoneità per una nuova offerta, viene visualizzata automaticamente nella tua 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. Supponiamo, ad esempio, che tu stia pagando la prima offerta di finanziamento con una percentuale del 20% e che tu abbia ricevuto un’offerta per un finanziamento aggiuntivo. Se richiedi e ricevi l’approvazione per la seconda offerta di finanziamento con una percentuale di rimborso del 15%, aggiorneremo il tasso della prima offerta di finanziamento al 15%. Il pagamento della seconda offerta di finanziamento inizia dopo che hai rimborsato la prima offerta di finanziamento. Di conseguenza, il tasso di restituzione complessivo sarà del 15%. ## Imposte 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. ## Idoneità 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. ## Rivedi l’offerta Quando accedi alla [scheda Capital](https://dashboard.stripe.com/capital) della tua Dashboard, puoi utilizzare il dispositivo di scorrimento per scegliere un importo personalizzato non superiore all’importo dell’offerta massima. La commissione per il finanziamento e la percentuale del pagamento variano in base all’importo scelto. 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. ## Richiedi un finanziamento 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. ## Pagamento 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. ## Finanziamento aggiuntivo 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. Supponiamo, ad esempio, che tu stia pagando la prima offerta di finanziamento con una percentuale del 20% e che tu abbia ricevuto un’offerta per un finanziamento aggiuntivo. 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%. ## Imposte 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. ## Idoneità 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. ## Rivedi l’offerta Quando accedi alla [scheda Capital](https://dashboard.stripe.com/capital) della tua Dashboard, puoi utilizzare il dispositivo di scorrimento per scegliere un importo personalizzato non superiore all’importo dell’offerta massima. La commissione per il finanziamento e la percentuale del pagamento variano in base all’importo scelto. 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. ## Richiedi un finanziamento 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. ## 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. Gli scenari di esempio seguenti illustrano il funzionamento del processo di pagamento minimo per i prestiti. | Scenario di esempio | 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. | ## Finanziamento aggiuntivo 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. ## Imposte 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.