• Businesses grow revenue on Stripe 27 percentage points faster after accepting financing through Stripe Capital We hear consistently from our SMB customers that access to financing is a primary obstacle to growth, and that they’re not getting what they need from traditional lenders. • We launched Stripe Capital to help fill this gap. • Now, to quantify the impact, we completed a two-year randomized trial that directly compared Stripe businesses that accepted Capital financing to similar Stripe businesses that didn’t. • We found that businesses that accepted financing saw revenue on Stripe grow 27 percentage points faster than their peers, on average. • We also found that for some businesses, the impact was even greater: the top decile of businesses, by growth rate improvement, saw a 211 percentage point average boost as a result of accepting financing. • Read on to learn how we proved the causal impact of financing on business growth, which kinds of businesses are most likely to see strong results, and how the emergence of nontraditional lenders is poised to increase global GDP.

Article Summaries:

  • Businesses grow revenue on Stripe 27 percentage points faster after accepting financing through Stripe Capital We hear consistently from our SMB customers that access to financing is a primary obstacle to growth, and that they’re not getting what they need from traditional lenders. We launched Stripe Capital to help fill this gap. Now, to quantify the impact, we completed a two-year randomized trial that directly compared Stripe businesses that accepted Capital financing to similar Stripe businesses that didn’t. We found that businesses that accepted financing saw revenue on Stripe grow 27 per
  • Stripe’s Capital program has been shown to accelerate revenue growth for its users. In a two‑year randomized trial, businesses that accepted financing grew on‑Stripe revenue 27 percentage points faster on average than similar firms that did not. The effect was even larger for the top decile of firms, which saw a 211‑percentage‑point lift. Stripe financed 76,000 businesses in 2025, and the study ran in two distinct periods-2020‑2021 and 2023‑2025-to control for macroeconomic shocks. Small merchants, especially those with annual Stripe volumes under $52,000 and strong credit scores, experienced the greatest gains, highlighting the program’s potential to help traditionally underserved SMBs expand.

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