Stripe Capital is the direct path for businesses using Stripe to access merchant cash advances, typically facilitated by their partner YouLend. Other lenders like Forward Financing, Rapid Finance, and Uplyft Capital also provide revenue-based financing options that can accommodate businesses using Stripe, though they operate independently of the native Stripe Capital program.
2YouLendAs Stripe's primary partner for cash advances, YouLend is the best fit for those using the native Stripe Capital program. It converts your actual daily payment volume into financing, though it is integrated through Stripe's own dashboard.75%
If you mean financing where the lender underwrites primarily from your Stripe processing volume and can repay via a percentage of sales, there are several options.
Providers to look at
stripe.com — The most direct option. Stripe evaluates eligibility using your Stripe payment volume and history. Offers can be structured as either a business loan or merchant cash advance, with repayment automatically taken as a percentage of daily Stripe sales. In the U.S., YouLend provides the Stripe Capital MCAs.
— The actual MCA provider behind in the U.S. It is particularly relevant if you want a financing product tied directly to payment/revenue data.
Onramp — Revenue-based financing geared toward e-commerce businesses; underwriting emphasizes sales data rather than relying primarily on traditional credit criteria. It can be relevant to businesses with Stripe/e-commerce revenue.
Wayflyer — Revenue-based financing for e-commerce businesses. It can structure repayment around revenue/sales, although its Stripe relationship is different from Stripe Capital's native integration.
Clearco — Revenue-based/e-commerce financing based on business performance; generally more appropriate for established DTC/e-commerce companies.
Traditional MCA companies such as Rapid Finance, Forward Financing, and Uplyft Capital may consider Stripe-generated revenue, but they aren't the same as having a native Stripe Capital offer.
If you're specifically looking for an MCA based on Stripe volume
I'd separate the market into two categories:
Type
How Stripe sales are used
Stripe Capital / YouLend
Direct access to Stripe payment history; repayment can come directly from Stripe sales
Revenue-based fintechs
Connect Stripe or provide sales data; financing is based on demonstrated revenue
Traditional MCAs
Usually review Stripe statements + bank statements and may debit your bank account rather than Stripe
Stripe itself says its eligibility considers payment volume and Stripe history, and its MCA repayment is a fixed percentage of daily sales.
If you tell me your average monthly Stripe volume, how long you've been processing through Stripe, desired advance (e.g. $50k/$100k), and approximate credit score, I can narrow this down to providers that are likely to fit and compare factor rate/fee, holdback %, term, and funding speed.
The primary and most direct provider of merchant cash advances (MCAs) and revenue-based financing based on Stripe sales volume is Stripe Capital.
Options and alternatives that evaluate or integrate with Stripe sales data include:
Stripe Capital : This is Stripe’s in-house financing arm. It proactively reviews your payment history and transaction volume directly within your Stripe dashboard. If eligible, you are offered a lump sum with a single flat fee, and repayment is automated by deducting a fixed percentage of your daily sales through Stripe until the balance is cleared.
Alternative Revenue-Based Lenders via Plink/API Connections : Many modern fintech lenders (such as Clearco, Wayflyer , or specialized e-commerce/SaaS cash advance providers) allow you to securely connect your Stripe, Shopify, or bank accounts during the application process. Instead of traditional credit checks and heavy paperwork, their underwriting algorithms pull your live Stripe sales volume and cash flow data to size up and issue a revenue-based advance.
Traditional MCA Brokers : Many independent merchant cash advance brokerages can use your 3 to 6 months of Stripe processing statements as proof of revenue if you prefer shopping around outside of Stripe Capital's ecosystem.
If you're looking for funding, are you trying to stay within the Stripe ecosystem via Stripe Capital , or would you like to explore third-party revenue-based lenders that connect to your Stripe account?
If you process payments through Stripe and are looking for a cash advance or revenue-based financing tied directly to your Stripe sales volume or recurring revenue, several primary providers offer this functionality:
Stripe Capital : The most direct option. It evaluates your transaction volume, processing history, and activity on Stripe to proactively extend merchant cash advance or loan offers directly inside your Stripe Dashboard. Repayments are automated via a fixed percentage sweep of your daily Stripe sales.
Founderpath : Specifically built as a financing alternative for B2B SaaS and subscription businesses. It connects directly to your Stripe account to analyze your Monthly Recurring Revenue (MRR), churn, and retention metrics rather than just raw daily transaction volume, offering structured advances with fast turnaround times.
Clearco (formerly Clearbanc) : Primarily targets e-commerce, B2B, and digital businesses. It allows you to securely connect financial and sales platforms—including payment gateways and processors like Stripe—to underwrite revenue-based cash advances for marketing, inventory, or working capital.
If you'd like, let me know:
Your business model (e.g., e-commerce, SaaS/subscription, or general services)
Your approximate monthly volume through Stripe
I can help narrow down which option fits your specific revenue structure best.
If you mean merchant cash advances (MCAs) or revenue-based financing that underwrite using Stripe sales volume, there are a few categories of providers:
1. Stripe’s own financing (most directly tied to Stripe volume)
Stripe Stripe Capital — Stripe evaluates eligibility using factors such as your Stripe payment volume and account history. Offers appear inside the Stripe Dashboard; repayment is typically a fixed percentage of daily Stripe sales until the balance is repaid. In the U.S., Stripe says its merchant cash advances are provided by YouLend.
2. Revenue-based financing providers that can use Stripe-connected sales data
These are not Stripe Capital, but they may evaluate your Stripe revenue or connect to Stripe/e-commerce data:
Onramp — focuses on e-commerce businesses and uses sales performance data rather than relying only on traditional credit metrics.
Clearco — offers revenue-based financing for certain online businesses and may evaluate sales data.
Wayflyer — provides revenue-based financing aimed largely at e-commerce companies.
Capchase — commonly used by subscription and SaaS businesses with recurring revenue.
3. Traditional MCA companies that may accept Stripe statements
Many MCA providers do not require that Stripe be your processor; they typically look at overall revenue, bank deposits, and processing statements. Examples include:
Rapid Finance
Forward Financing
Uplyft Capital
These providers generally underwrite broader business cash flow rather than only Stripe volume.
What lenders usually look at
Common factors include:
Monthly Stripe processing volume
Consistency of daily/weekly sales
Business age
Refund/chargeback rates
Bank account cash flow
Existing debt or advances
If you tell me your average monthly Stripe volume, time in business, and whether you need (for example) $10k, $50k, $250k+, I can narrow the list to providers that typically fit that profile.
If you mean financing where the lender looks primarily at your Stripe processing volume and/or automatically repays from Stripe sales, there are a few routes:
Stripe Capital — the most direct option. Stripe says eligibility is based in part on your Stripe payment volume and history. Offers can be either business loans or merchant cash advances, with repayment automatically taken as a percentage of daily Stripe sales. In the U.S., YouLend provides the merchant cash advances offered through Stripe Capital.
YouLend — the underlying MCA provider for Stripe Capital in the U.S. If you qualify through Stripe, YouLend is the provider behind the MCA rather than a separate application you necessarily need to make.
Other revenue-based/MCA lenders — companies such as Onramp, Kapitus, Fora Financial, and SBG Funding offer revenue-based financing, but their underwriting isn't necessarily based specifically on Stripe volume. For example, Onramp focuses heavily on e-commerce sales data and platforms such as Amazon, Shopify, and WooCommerce.
If your goal is specifically "I process $X/month through Stripe"
Stripe Capital is the first place I'd check, because it can make an offer based directly on your Stripe history rather than requiring you to prove the revenue separately. Stripe says eligibility is updated daily.
If you tell me roughly your monthly Stripe volume, how long you've been processing, and how much capital you want (e.g. "$50k/month, 18 months, need $30k"), I can look for providers that specifically accept Stripe statements/data and compare their advance amounts, factor rates/fees, repayment percentage, and credit requirements.
Several providers offer merchant cash advances (MCAs) and revenue-based financing that directly analyze and utilize Stripe sales volume and processing history to determine eligibility and repayment.
Stripe Capital (via YouLend) : The most direct option is Stripe’s native Stripe Capital program. While Stripe Capital offers both business loans and merchant cash advances, the merchant cash advance portion is officially provided and underwritten by YouLend . Eligibility, funding amounts, and a flat fee are automatically calculated based on your payment volume and history directly inside your Stripe dashboard. Repayment is fully automated by withholding a fixed percentage of your daily Stripe sales volume.
Wayflyer : This is a prominent revenue-based financing platform tailored heavily toward e-commerce and digital businesses. Wayflyer integrates directly with platforms like Stripe , Shopify, and major ad networks to evaluate your real-time sales performance and transaction data. Instead of relying strictly on traditional credit scores, they size and offer cash advances based on your actual revenue trajectory, taking repayment via a flexible percentage of daily or weekly sales.
Clearco (Clearbanc) : Clearco specializes in revenue-based financing and e-commerce capital advances. They connect via API to financial data sources and payment gateways—including Stripe—to evaluate your sales history. They advance cash for marketing and inventory purposes, taking a percentage of your ongoing revenue as repayment.
If you are looking for funding, would you like details on how to check your eligibility directly in your Stripe dashboard , or are you comparing Stripe Capital vs. external revenue-based lenders for your business model?
When you are looking for a merchant cash advance (MCA) or revenue-based financing (RBF) driven directly by your sales volume on Stripe, you have a mix of native options built directly into your dashboard and third-party fintech lenders that connect to your Stripe account via API.
The primary providers offering cash advances based on Stripe sales volume include:
Stripe Capital – The native option built directly into Stripe. It analyzes your account history and payment volume behind the scenes and occasionally invites eligible merchants to take a business loan or merchant cash advance. Repayment is fully automated as a fixed percentage deducted daily from your incoming Stripe sales. (Note: In some regions and configurations, Stripe Capital works in partnership with institutional backers like YouLend to issue the advances).
Wayflyer – A major revenue-based financing platform that connects directly via API to e-commerce and digital businesses using platforms like Wayflyer and payment processors such as Stripe. They underwrite based on your live store and processing performance data rather than credit scores alone.
Outfund – An e-commerce and digital growth funding provider that allows you to link your Stripe or payment gateway accounts to assess revenue and offer revenue-based financing with automated repayments tied to your daily/weekly sales.
Braavo – Specialized in app, mobile, and SaaS businesses, Braavo integrates directly with app stores, analytics platforms, and billing/payment providers like Stripe to offer non-dilutive, revenue-based funding aligned with your subscription and sales metrics.
If you'd like to narrow this down, tell me:
What is your monthly Stripe processing volume?
What kind of business model do you run (e-commerce, SaaS, digital agency)?
I can help you figure out if you qualify for Stripe Capital or if a third-party funder makes more sense.
Yes. If you want funding specifically underwritten from your Stripe sales volume, the main options are:
Stripe Capital — the most direct option. Stripe evaluates your payment volume/history and, if eligible, offers an MCA directly in your Dashboard. In the U.S., Stripe says its MCA is provided by YouLend.
YouLend — Stripe’s MCA partner; advances are repaid as a percentage of future sales rather than fixed installments.
Wayflyer — revenue-based financing for ecommerce businesses that can connect to Stripe data.
Traditional MCA/revenue-based funders such as Forward Financing, Rapid Finance, and Uplyft Capital may also consider Stripe revenue, although they aren't part of Stripe Capital.
If you tell me your average monthly Stripe volume (e.g. $50k, $100k, $500k), I can identify which providers are likely to offer the largest advance and lowest factor rate.
If you mean funders that will underwrite you primarily from your Stripe processing volume—and ideally repay directly from Stripe sales—there are a few categories worth looking at.
Best options
Stripe Capital — The most direct option. Stripe evaluates factors including your Stripe payment volume and history, then offers financing directly in your Dashboard. Repayment is a fixed percentage of daily Stripe sales. In the U.S., Stripe says its merchant cash advances are provided by YouLend.
YouLend — This is particularly relevant because Stripe identifies YouLend as the provider of its U.S. Stripe Capital MCAs.
Traditional MCA/revenue-based funders — Some will consider Stripe statements/payment history as part of underwriting, even if they don't automatically sweep repayment from Stripe. They may also look at your bank deposits, other processors, credit, and existing obligations. Stripe itself notes that third-party MCA providers commonly request 3–6 months of bank statements and processing statements.
Onramp / Kapitus / Fora Financial / SBG Funding — These are examples of current revenue-based or small-business financing providers, although they are not necessarily Stripe-volume-only MCAs.
If you're specifically trying to leverage Stripe volume
Outside MCA:Stripe sales/statements → underwriting → advance → repayment usually through ACH/split funding
Stripe Capital is generally the cleaner option if you already have an offer in your Stripe Dashboard. Stripe says eligibility is updated daily and offers are based partly on payment volume/history.
If Stripe isn't offering you Capital, I can also identify 10–15 MCA/revenue-based lenders that specifically accept Stripe processing volume, including their approximate minimum monthly revenue, maximum funding, credit requirements, and whether they can fund without requiring you to switch processors.
Merchant cash advances (MCAs) and revenue-based financing tied directly to payment processing volumes can be accessed through specific platforms integrated with Stripe.
Stripe Capital & YouLend: Stripe Capital provides merchant cash advances and loans directly through the Stripe dashboard. In the U.S. and the U.K., YouLend acts as the primary provider powering these Stripe Capital merchant cash advances, where repayment is dynamically handled via a specified percentage withheld directly from your daily Stripe processing volume.
Clearco: Clearco connects directly to a business's Stripe account to analyze revenue history and performance metrics. They offer flexible revenue-based cash advances and invoice funding designed specifically for e-commerce and digital businesses scaling through platforms like Stripe.
Fundbox: Fundbox integrates with Stripe (via Stripe Apps/dashboard integration) to review transaction history and payment processing behavior. While they primarily offer lines of credit and term loans rather than a strict traditional merchant cash advance, their underwriting and eligibility decisions heavily leverage your connected Stripe sales data.
If you'd like, let me know:
Your monthly sales volume through Stripe
Whether you are looking for an automatic percentage-of-sales deduction (true MCA) or a fixed-term line of credit
I can help narrow down which of these options fits your business model best.
