---
title: Stripe Capital loans
description: Stripe Capital is a financing solution offered by Stripe. The criteria for eligibility is based on a number of factors, including your transaction volume and history with GotPhoto.
---
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September 1, 2026
# Stripe Capital loans
This article is relevant to US customers only.
**Table of contents**
- [Overview](https://help.gotphoto.com/en/support/stripe-capital-loans#Overview)
- [Eligibility](https://help.gotphoto.com/en/support/stripe-capital-loans#Eligibility)
- [Offer structure](https://help.gotphoto.com/en/support/stripe-capital-loans#Offer-structure)
- [Repayment](https://help.gotphoto.com/en/support/stripe-capital-loans#Repayment)
- [The takeaway](https://help.gotphoto.com/en/support/stripe-capital-loans#The-takeaway)
### **Overview**
Stripe Capital provides financing to businesses based on their sales history, with a flat fee instead of interest. Repayments are automatically deducted as a percentage of daily sales.\*
Eligible businesses are reviewed daily and notified via email. To learn more, email [support-capital@stripe.com](mailto:support-capital@stripe.com).
For general info on Stripe Express payments, see [this article](https://help.gotphoto.com/en/support/stripe-express?hsLang=en).
---
### **Eligibility**
GotPhoto users \[US only\] are reviewed daily for eligibility by Stripe. Selection is based on factors such as transaction volume and sales history.
If eligible, Stripe will email you an offer with instructions to apply.
---
### **Offer structure**
If eligible, you'll receive a customized offer via email. Each offer includes:
- **Financing amount:** The amount deposited to your bank
- **Flat fee:** One-time fee—no interest or hidden costs
- **Total amount owed:** Financing + flat fee
- **Repayment rate:** Percentage of daily GotPhoto card transactions withheld
**Example offer:**
- Financing amount: 17,000 USD
- Flat fee: 1,700 USD
- Total owed: 18,700 USD
- Repayment rate: 12%
After approval, 17,000 USD is deposited within 1–2 business days. Stripe withholds 12% of daily transactions until the 18,700 USD is repaid.
---
### **Repayment**
Repayments start automatically 1–2 business days after funding. Payments are deducted daily based on your card sales.
You can also make manual payments or repay the loan early without extra fees.
Early repayment does not guarantee additional offers. Stripe reviews accounts daily and will email you if you are eligible for future financing.
Each loan includes a minimum payment requirement based on your agreement. If daily sales fall short, Stripe will debit your account for the remaining amount.
Repayment summaries appear in your Stripe Dashboard and loan agreement.
Your repayment progress is tracked daily in your Stripe loan overview.
---
### **The takeaway**
Stripe Capital offers simple, automated business loans with flat fees and sales-based repayment. For more details, contact [support-capital@stripe.com](mailto:support-capital@stripe.com).
*Loans are issued by Celtic Bank and subject to credit approval.*
*\*You must meet a minimum repayment amount each period. If not met through sales, the remainder is auto-debited.*
- [Getting Started](https://help.gotphoto.com/en/support/getting-started?hsLang=en#main-content)
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- [Entagged Troubleshooting](https://help.gotphoto.com/en/support/entagged-gotphoto-tagging-app?hsLang=en#entagged-troubleshooting)
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- [Stripe & Accounting Resources](https://help.gotphoto.com/en/support/business-growth?hsLang=en#stripe-accounting-resources)
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- [Customer Outreach](https://help.gotphoto.com/en/support/troubleshooting?hsLang=en#customer-outreach)
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