Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 33 companies across 1 category.
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Stripe Capital launched in 2019 as Stripe's first major move beyond pure payments processing, leveraging unique payments-data underwriting to offer instant cash advances and loans to merchants already processing on Stripe. The product was extended to Connect platforms (Capital for Platforms) so marketplaces and vertical SaaS companies can embed financing for their sub-merchants with zero credit-loss liability — making Stripe an embedded-lending infrastructure provider, not just a direct lender. Loans are originated by Celtic Bank with Stripe handling underwriting, servicing, and repayment via withholding from daily Stripe sales.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/stripe-capital/install" width="1" height="1" alt="" style="display:none">33 companies disclose Stripe Capital in their stack in the Embedded Finance Index 2026, including TeamUp, Booking Holdings, Monograph, Jane, MoeGo, theCut, RentRedi, Cloudbeds, Aesthetic Record, Covetrus and 2 others.
Stripe Capital is an embedded-finance provider in Lending. It ranks #5 of 259 Lending providers by disclosed buyers.
Stripe Capital is part of Stripe.
The most-disclosed Lending alternatives to Stripe Capital are Affirm (64 buyers), klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Wisetack (27 buyers) and Liberis (21 buyers).
Stripe Capital was founded by Patrick Collison and John Collison and is founded in 2010, headquartered in South San Francisco, California, US and Dublin, Ireland.
Stripe Capital has raised undisclosed (multi-billion across many rounds) in total.
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