Stripe Capital Calculator
Calculate your Stripe Capital repayment schedule before accepting an offer. See your flat fee, daily withholding amount, 60-day minimum payment, and total cost based on your financing terms and sales volume.
Available in United States
One-time fee that never changes
Percentage of daily sales withheld per transaction
Your typical daily processing volume
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Frequently asked questions
What is Stripe Capital?
Stripe Capital offers financing for eligible businesses processing payments through Stripe. It provides loans and merchant cash advances with a fixed flat fee (not interest) and flexible repayment based on a percentage of your daily sales. Available in the US (USD), UK (GBP), and France (EUR).
How does the flat fee work?
Stripe Capital charges a fixed flat fee as a dollar amount (not a percentage) that is added to your financing amount. For example, if you receive $45,000 with a $6,359 flat fee, you'll repay a total of $51,359. This fee never changes and there's no compounding interest. The flat fee is determined by Stripe based on your business profile and is shown in your offer.
How does Stripe Capital repayment work?
Stripe Capital automatically deducts a fixed percentage of your daily sales (called the repayment rate) until the total amount is paid. For example, with a 22% repayment rate, Stripe withholds 22% of each day's sales. You pay more when business is busy and less when it slows down. There are no late fees or early payment penalties.
What is the 60-day minimum payment?
The 60-day minimum is the minimum amount you must pay every 60 days. If the percentage withheld from your daily sales doesn't meet this minimum, Stripe will automatically debit the remaining amount from your bank account to ensure consistent repayment progress. This protects both you and the lender by ensuring the financing is paid back within a reasonable timeframe.
What happens if I don't meet the 60-day minimum?
If your sales-based withholdings don't reach the 60-day minimum payment, Stripe will automatically debit the shortfall from your linked bank account at the end of the 60-day period. This ensures your financing stays on track even during slower sales periods. Make sure you have sufficient funds in your account to cover potential minimum payments.
What's the difference between a loan and merchant cash advance?
Stripe Capital loans have a maximum term and periodic minimum payments (60-day minimum). If withholdings from sales don't meet the minimum, the shortfall is debited from your bank account. Merchant cash advances have no fixed payment schedule—payments vary entirely based on your processing volume with no minimum payment requirements.
Can I use this calculator for SaaS or subscription businesses?
Yes! This calculator supports both daily sales and monthly recurring revenue (MRR) inputs. If you run a SaaS or subscription business with consistent monthly revenue rather than daily sales, you can enter your average monthly sales or MRR, and the calculator will automatically convert it to estimate your repayment schedule based on approximately 22 business days per month.
Who provides Stripe Capital financing?
In the US, loans are issued by Celtic Bank and merchant cash advances are provided by YouLend. In the UK and France, both loans and merchant cash advances are provided by YouLend. Stripe partners with these financial institutions to provide the financing while managing the application and servicing process.
What currencies does Stripe Capital support?
Stripe Capital is available in USD (United States), GBP (United Kingdom), and EUR (France). The calculator supports all three currencies and automatically formats amounts based on your selection.
How do I qualify for Stripe Capital?
Eligibility is based on your Stripe processing volume and history. You typically need at least 3-6 months of processing history and minimum processing volumes (around $5,000-$10,000 annually depending on region). Stripe evaluates your business daily and notifies you via email and Dashboard when you're eligible for an offer. Factors include processing volume, customer base size, dispute rates, and business growth trajectory.
Can I pay off Stripe Capital early?
Yes, you can pay off your Stripe Capital financing early with no penalties. The flat fee remains the same regardless of when you pay it off, so paying early can save you time but won't reduce the total amount owed. Early payoff may help you qualify for larger offers in the future.
How fast can I get funded?
After accepting an offer and completing the application, funds typically arrive in your bank account within 1 business day. The application process is quick and can be completed entirely within your Stripe Dashboard without lengthy paperwork or credit checks that impact your personal credit score.
Is this calculator affiliated with Stripe?
No, this calculator is an independent tool created by Renlar for informational purposes only. Stripe is a registered trademark of Stripe, Inc. This tool is not affiliated with, endorsed by, or sponsored by Stripe, Inc., Celtic Bank, YouLend, or any other financial institution mentioned. All company names and trademarks are the property of their respective owners. Actual Stripe Capital terms, fees, and eligibility may vary. Always review your official offer in your Stripe Dashboard before making any financing decisions. Consult with a qualified financial advisor for personalized advice.
Important Disclaimer
This calculator is provided for informational purposes only and does not constitute financial, legal, or tax advice. Stripe® is a registered trademark of Stripe, Inc. This tool is not affiliated with, endorsed by, or sponsored by Stripe, Inc., Celtic Bank, YouLend, or any other financial institution mentioned. All company names and trademarks are the property of their respective owners. Actual Stripe Capital terms, fees, and eligibility may vary. Always review your official offer in your Stripe Dashboard before making any financing decisions. Consult with a qualified financial advisor for personalized advice.