Quick answer
Stripe Capital eligibility: active Stripe account with 6+ months processing history, consistent transaction volume. No FICO check at application — Stripe uses Stripe transaction data. Pre-qualified offers appear in Stripe Dashboard. Cannot apply directly. Eligibility entirely controlled by Stripe.
Full answer
Stripe Capital eligibility is determined by Stripe based on your account's transaction history. No formal application — Stripe evaluates and surfaces pre-qualified offers in your Stripe Dashboard when you qualify.
Published criteria: active Stripe account, 6+ months processing on Stripe, consistent transaction volume (no specific minimum disclosed). Stripe evaluates account health holistically.
No FICO check: underwriting uses Stripe transaction data only. Personal credit irrelevant. This makes Stripe Capital accessible for SaaS founders with limited personal credit history.
Documents required: none. Stripe has all underwriting data via platform integration.
Funding: same business day for eligible merchants. ACH to designated bank account.
Best for: Stripe-using SaaS companies, marketplaces, e-commerce platforms with consistent Stripe volume. Pricing structure: single fixed fee (5-18% of advance). Repayment as percentage of daily Stripe transaction volume.
Where to be careful: changing payment processors mid-loan triggers payoff acceleration. Eligibility entirely Stripe's discretion. Higher-tier offers may include personal guarantee.
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.