Stripe Capital FAQ

How do you determine who qualifies for an offer?

Eligibility is determined based on a combination of factors, including overall sales volume and history with Tilt. Eligible GB businesses will receive an email and a notification on the seller portal if they have an offer available to apply for.

Do I have to pay interest?

No, you’ll pay one flat fee that doesn’t change. You won’t pay any interest on top of this fee.

Will applying for an offer affect my personal credit rating?

When you apply, our partner, YouLend will conduct a soft credit check as part of your application. This credit check will not impact your credit score, but may be visible to other organizations carrying out credit searches. If approved, when you receive financing, a hard footprint will be left on your credit record, which will impact your credit score

Can I request a different offer amount?

When you log into your Tilt Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment rate adjust based on the amount you choose.

When do I need to pay the flat fee?

You’ll automatically pay the flat fee through a percentage of your sales until the total amount owed is paid. The fee isn’t charged up-front.

How does payment work?

Payment is collected automatically through a percentage of your Tilt sales as they’re processed which means you pay more when business is busy and less if things slow down. What you pay each day adjusts to your sales.

After I accept an offer, how quickly will I get my funds?

If your application is approved, you’ll see the funds in your bank account typically in as soon as 2 business days. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method.

Can I have my Capital funds paid out to a card?

We currently don’t support disbursal of funds to a card. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method.

What happens when my offer expires?

Each offer is available for 30 days. After that point, your business will automatically be re-evaluated to see if you’re eligible for an additional offer.

Can I pay my financing early?

Yes, you can make additional payments or pay the total amount owed in full at any point by clicking the ‘Make Payment’ button in your Dashboard. There are no additional fees for early payment

Will paying early qualify me for a new offer?

After you pay the total amount owed, you’ll automatically be evaluated for a new offer. Paying early doesn’t automatically qualify you for a new offer.

How should I report these funds on my taxes?

Tax reporting is often dependent on your specific situation, so we encourage you to talk with a tax advisor to ensure appropriate accounting. In general, Stripe Capital funds would not be considered taxable income at the time of receipt, and the amounts withheld to satisfy your obligations are not tax-deductible.

Who can I contact to learn more about the Stripe Capital programme?

If you have additional questions about how our financing programme through Stripe Capital works, you can contact our partner, Stripe, at [email protected].

Financing types offered through Stripe Capital include loans and receivables purchase agreements. Financing provided by YouLend. All financing requests are subject to final review prior to approval.