Stripe Capital の仕組み
対象となる企業に Stripe Capital がどのように資金を提供するかをご紹介します。
Stripe Capital offers financing for eligible users processing payments through Stripe. Under the Stripe Capital program, loans don’t have late fees, early repayment fees, or origination fees. Instead, the total amount you owe is your loan amount plus a flat fee. Your payments are withheld directly from your sales on Stripe.
Review your offer
Stripe 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 9 months of processing history, Stripe might send you an email and Dashboard notification to advise you of an available offer.
Your offer is available for 30 days, after which, we re-evaluate your business to see if you’re eligible for an additional offer. Log into the Capital tab of your Dashboard to use a slider to customize the amount of your offer up to the maximum offer amount. The loan terms adjust based on the amount you choose. If you’re seeking financing at a later time, continue checking your email and the Capital tab of your Dashboard to make sure you’re reviewing your most current offer. We might even extend additional offers to you while you’re actively paying down your current loan.
After you select an offer, we’ll review your application. If you’re approved, we transfer the funds to your Stripe account, typically in as few as 1-2 business days. To make sure funds successfully disburse from your Stripe account, you must set a valid bank account as your primary payout method.
No impact to your personal credit
Applying for financing through Stripe Capital doesn’t require a personal credit check and won’t affect your personal credit score. Additionally, Stripe Capital reports performance for US businesses 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 credit with other providers.
Linked accounts
You always have control over the accounts that you share with Stripe and can update or disconnect your linked accounts at any time.
返済
The total cost of your financing is your loan amount plus a flat fee. Repayment of your loan occurs automatically by deducting a percentage of your Stripe sales, known as the repayment rate. This means you pay down more when your business has higher sales and less if business slows down. The single flat fee isn’t charged upfront— it’s paid over the length of the loan.
Every loan has a maximum term (for example, 18 months) which is listed on your loan agreement. There’s no prepayment penalty, and you can make additional payments or pay the total amount you owe in full at any point in the Capital tab of your Dashboard.
Stripe automatically evaluates you for a new offer as you pay down your loan, regardless of whether you make additional payments or pay it off early.
Minimum payment
You must repay a minimum amount toward your loan every payment period. Stripe automatically deducts a percentage of your sales at the repayment rate, which counts toward your minimum. If the total amount you repay through sales doesn’t meet the minimum, you must pay the remaining amount at the end of the period. If you haven’t met the minimum by the end of each payment period, Stripe automatically debits the balance needed to meet your minimum from your bank account or account balance. You can also make manual payments toward your minimum through your Dashboard.
You can view your minimum in the Capital tab of your Dashboard or in your loan agreement.
If you’re unable to meet your minimum for one or more periods, reach out to support and we’ll work with you to get back on track and meet your loan obligations. If you continue to miss your minimums, we might take additional action, as detailed in your loan agreement.
Fixed payment loans
If your loan has a fixed monthly payment instead of a minimum payment, Stripe stops witholding from your Stripe sales when you meet the fixed payment amount. If your sales witholdings don’t meet the fixed payment by the end of the payment period, Stripe automatically debits the balance. You can also make manual payments at any time through your Dashboard using the Make payment option.
例
The following example scenarios demonstrate how the minimum payment process works.
Example 1: You successfully meet your minimum through daily sales deductions.
- 3 月 1 日に終了する 60 日の期間の最低金額は 2,000 USD です。
- その期間に、Stripe を介して、売上高から一定の割合 (返済率) を差し引くことで、ローン残高の 2,500 USD を返済しています。
- You’ve successfully met your minimum plus an additional 500 USD toward your total balance for this payment period.
- 次の 60 日の期間でも、最低金額 2,000 USD を満たす必要があります。
Example 2: You don’t meet your minimum through daily sales deductions.
- 3 月 1 日に終了する 60 日の期間の最低金額は 2,000 USD です。
- その期間に、 Stripeを介して、売上高から一定の割合 (返済率) を差し引くことで、ローン残高の 1,500 USD を返済しています。
- On March 1, you still owe 500 USD toward your minimum (2,000 USD – 1,500 USD = 500 USD) and you must pay the remaining balance of your minimum.
- On March 1, Stripe automatically debits 500 USD from your bank account or account balance to meet your minimum.
Security interests
The Stripe Capital loan agreement includes security interests taken as collateral for your loan. A UCC-1 financing statement might be filed in connection with your loan based on several factors, including the size of your loan, facts and circumstances about your business, and so on.
After you finish paying off your loan, you can contact us with a request to terminate a UCC-1 filing.
Unknown secured party
債権者は、債権者の登録代理人としてサードパーティーを使用して、抵当権を申告し、保持します。 Wolters Kluwer は Stripe Capital のサードパーティー代表者です。サードパーティーがどの債権者の代理を務めているかが不明な場合は、そのサードパーティーに直接問い合わせることをお勧めします。
Taxes
Tax reporting often depends on your specific situation, so we encourage you to talk with a tax advisor. In general, funds through Stripe Capital wouldn’t be considered taxable income at the time of receipt, and the amounts withheld to satisfy your obligations aren’t tax deductible.
Stripe Capital loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank Member FDIC.