Eligibility is reviewed regularly by Stripe and determined based on a combination of factors, including overall sales volume and history with Spectora Payments.

Eligible US businesses will receive an email if they have an offer available.

No, you’ll pay one flat fee that does not change. You won’t pay any interest on top of this fee.

No, there is no personal credit check. All offers are based on your history with Spectora Payments.

When you log into your Spectora Payments Stripe Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount).

The loan fee and repayment rate adjust based on the amount you choose.

The flat fee is included in your repayment total so you'll automatically repay it through a percentage of your sales until the total amount is repaid.

Repayment is collected automatically through a percentage of your Spectora Payment sales as they are processed which means you pay down more when business is busy and less if things slow down.

As long as you meet your minimum payment requirement, what you pay each day adjusts to your sales.*

A minimum payment is the minimum amount that you’re expected to repay every repayment period. That period will be determined during underwriting and based on the total term of your loan offer.

If your automatic repayments do not meet this minimum, you’ll be required to pay the remaining amount at the end of the period.

You can view your minimum payment amount in the Dashboard or in your loan agreement.

If your payments deducted from sales cover the minimum payment requirement for the payment period, no action will be taken.

If you have not met the minimum payment amount by the end of the payment period, Stripe will automatically debit your bank account or account balance the balance needed to meet your minimum payment.

There’s no action needed on your part.

If your application is approved, you’ll see the funds in your bank account typically in as soon as 2 business days.

To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method.

We currently don’t support the disbursal of funds to a card.

To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method.

Each offer is available for 30 days. After that point, your business will automatically be re-evaluated to see if you’re eligible for an additional offer.

Yes, you can make additional payments or pay the total amount owed in full at any point by clicking the ‘Make Payment’ button in your Spectora Payments Stripe Dashboard.

There are no additional fees for early repayment.

Once you repay the total amount owed, you’ll automatically be evaluated for a new offer.

Repaying early does not automatically qualify you for a new offer.

Tax reporting is often dependent on your specific situation, so we encourage you to talk with a tax advisor to ensure appropriate accounting.

In general, Stripe Capital funds would not be considered taxable income at the time of receipt, and the amounts withheld to satisfy your obligations are not tax deductible.

If you have additional questions about how our financing program through Stripe Capital works, you can contact our partners at capital-support@stripe.com.