Compare
What Stripe Capital publishes, what we publish and what decides the file, dated October 10, 2026.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we compare against what each company publishes on its own site and show our own terms beside it, dated.
The figures below are Stripe Capital’s own, read on its public pages as of October 10, 2026. Terms change without notice, so confirm on its site (stripe.com/capital).
| Item | As published |
|---|---|
| Offer types | Business loans and merchant cash advances |
| Who is offered | Businesses processing payments through Stripe; eligibility is shown in the Stripe Dashboard and is based on factors including payment volume and history on Stripe |
| Cost | One flat fee set when you accept the offer |
| Repayment | A fixed percentage of daily sales until the total is paid |
| Funding | Funds typically arrive the next business day in your Stripe account |
| Published examples | $15,000 with a $1,500 fee at 9% of sales; $20,000 with a $2,000 fee at 12%; $25,000 with a $2,500 fee at 15% (shown by Stripe as examples) |
Stripe Capital is available by invitation to eligible Stripe users, so the practical alternative question is: what if you are not offered it, or want a larger amount or a different structure.
Three products sit behind one application, with thresholds published in full: a line of credit of $10,000 to $350,000 (12 to 36 months, from 1% per month, a 2.49% fee on each draw, no origination, maintenance or early payoff fees); a term loan of $10,000 to $250,000 (12 to 18 months, 0% origination, weekly payments, 50% off remaining interest for a full early payoff, first position only); and merchant cash advances from $25,000 to $5,000,000. Decisions are typically same day, with funding usually the next business day.
The minimum FICO is 500, and the better your credit, the better your offer. The 650, 600 and 550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Merchant Fund Express is a marketplace: one application reaches funders whose guidelines fit your file.
See the published requirements and check where you land with the qualification checker; checking does not affect your credit score.
Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.
It can be, depending on what you need. The structures differ; compare total dollars repaid and the payment rhythm on each offer. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
Yes. Product terms and the qualification thresholds are published before you apply. Merchant Fund Express publishes its terms and thresholds before you apply.
No. Checking what you qualify for does not affect your credit score.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
