Updated July 1, 2025

Get access to funds quickly to manage your cash flow and grow your business with Dubsado Payments Capital.

Dubsado Payments Capital is an innovative financing solution, powered by Stripe Capital, that is designed to give you quick access to the funds you need to manage cash flow and invest in your business’s growth.

Dubsado Payments Capital offers financing for eligible users processing payments through Stripe. Under the Stripe Capital program, there are no late fees, early payment fees, or origination fees. Instead, the total amount you owe is your financing amount plus a flat fee. Your payments are withheld directly from your sales on Stripe.

At Dubsado, we're committed to providing tools that help your business thrive - which is why we’ve brought you Dubsado Payments Capital.

Access to capital can be one of the most limiting growth factors for businesses. Whether you're looking to expand your team, invest in new equipment, or simply need extra cash on hand, Dubsado Payments Capital is here to support your business needs.

Getting access to funds with Dubsado Payments Capital is simple and fast.

Stripe determines your eligibility for a financing offer based on a variety of factors related to your Stripe account, including your processing volume and the size of your customer base.

Eligibility is reviewed on a daily basis. If you become eligible, you’ll receive an email and you can view your offer in the Dashboard under the Capital tab.

You might see a banner in the Stripe Dashboard that indicates that you’re on track for a future offer. This isn’t a guarantee of a future offer or specific terms and doesn’t reflect a credit decision or evaluation.

To qualify for financing through Stripe Capital, your business must meet the minimum requirements listed below. Your business must:

Meeting the minimum eligibility requirements doesn’t guarantee that your business qualifies for a Stripe Capital offer.

In addition to the minimum requirements, Stripe’s underwriting model evaluates many other characteristics of your business to determine eligibility. Key characteristics include:

Sharing more information about your business with Stripe allows Stripe to evaluate your business more accurately. You can consider:

Once you have qualified for and received a Capital offer, your offer is available for 30 days. You can log into the Capital tab of your Dashboard to use a slider to customize the amount of your offer up to the maximum offer amount. The financing terms adjust based on the amount you choose.

Once you’ve received an offer, it is valid for 30 days. After 30 days, Stripe reevaluates your business to see if you’re eligible for any additional offers. If you’re seeking financing at a later time, continue checking your email and the Capital tab of your Dashboard to make sure you’re reviewing your most current offer. Stripe may even extend additional offers to you while you’re actively paying down your current loan.

After you select an offer, Stripe reviews your application. If you’re approved, the funds are transferred to your Stripe account, typically in as few as 1-2 business days. To make sure funds successfully disburse from your Stripe account, you must set a valid bank account as your primary payout method.

Payment is collected automatically by Stripe Capital through a percentage of your Dubsado Payments sales as they are processed. Stripe Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn’t meet the minimum your account will be automatically debited the remaining amount at the end of the period.

For Stripe Capital loans, a minimum payment is the minimum amount that you’re expected to pay to Stripe Capital every payment period. That period will be determined during underwriting and based on the total term of your financing offer. If your automatic payments do not meet this minimum, you’ll be required to pay the remaining amount at the end of the period. You can view your minimum payment amount in the Stripe dashboard or in your Stripe Capital financing agreement.

If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process.

Dubsado Payments Capital provides the financial flexibility you need to take your business to the next level. To learn more about how Dubsado Payments Capital can benefit your business, visit our Capital landing page or check your email for offer notifications.

Remember, with Dubsado Payments Capital, you're getting more than just financing – you're getting a partner invested in your success.

Dubsado Capital offers financing types that include loans and merchant cash advances. All financing requests are subject to a final review prior to approval. Dubsado Capital loans are issued by Celtic Bank, powered by Stripe. Dubsado Capital merchant cash advances are provided by YouLend.Loans are issued by Celtic Bank and powered by Stripe. All loans are subject to credit approval.

How is it determined who qualifies for an offer?

Eligibility is determined by Stripe based on a combination of factors, including overall sales volume and history of Stripe payments from Dubsado. Eligible businesses will receive an email from Stripe if they have an offer available.

How much funding can I qualify for?

The amount you may qualify for depends entirely on your business’s activity through Dubsado Payments, powered by Stripe. Offers are based on a variety of factors, including your payment volume, transaction history, and overall account activity over time. Because eligibility is re-evaluated regularly, you may receive a different offer in the future based on these factors and the more likely you are to receive—and potentially increase—your offer over time.

Can I apply if I didn’t get an offer?

Offers are extended automatically to eligible businesses. If you haven’t received one yet, keep using Dubsado Payments consistently—your payment history could increase your chances of receiving an offer in the future.

Will applying for an offer affect my personal credit rating?

Applying for financing through Stripe Capital might include a personal credit check under some circumstances, but this credit check doesn’t affect your personal credit score. If a personal credit check is required you will be notified during the application process. All offers are determined by Stripe based on a number of factors, including order volume and your history of orders on Stripe through Dubsado Payments.

Can I customize my offer amount?

Yes! After clicking the link in your capital offer email, you will be able to review the offer, and 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.

What happens if my offer expires?

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

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

If your application is approved, you’ll see the funds from Stripe Capital 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. This needs to be done through Stripe.

Are there any restrictions on how I can use the funds?

You can use your capital for anything that helps grow or stabilize your business—whether that’s hiring helps, investing in a project to move the needle, or simply smoothing out cash flow during slower months.

How does payment work?

Payment is collected automatically by Stripe Capital through a percentage of your Dubsado Payments sales as they are processed. Stripe Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn’t meet the minimum your account will be automatically debited the remaining amount at the end of the period. If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process.

What is a minimum payment?

For Stripe Capital loans, a minimum payment is the minimum amount that you’re expected to pay to Stripe Capital every payment period. That period will be determined during underwriting and based on the total term of your financing offer. If your automatic payments do not meet this minimum, you’ll be required to pay the remaining amount at the end of the period. You can view your minimum payment amount in the Stripe dashboard or in your Stripe Capital financing agreement.

How do I make my minimum payment?

For Stripe Capital loans, if your payments deducted from sales cover the minimum payment requirement for payment period, no action will be taken. If you have not met the minimum payment amount by the end of the payment period, Stripe will automatically debit your bank account or account balance the balance needed to meet your minimum payment. There’s no action needed on your part.

Are there any interest charges or late fees?

Nope! There’s no interest, no late fees, and no hidden charges. Just one flat fee—clearly stated in your offer that never changes.

Can I repay my financing early? And will that qualify me for a new offer?

Yes, you can make additional payments or pay the total amount owed in full at any point by clicking the “Make Payment” button in the Stripe financing overview page. There are no additional fees for early payment.

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 Dubsado Payments Capital?

If you have additional questions about how our financing program through Stripe Capital works, you can contact our partners at capital-support@stripe.com.