Stripe Capital needs Stripe. Slate needs your data.
If your customers process somewhere else, or you want the programme to be yours rather than a feature of your processor, that is the choice this page is about.
Side by side.
Stripe Capital offers financing to businesses that process payments with Stripe, sized from their Stripe processing history.
| Slate | Stripe Capital | |
|---|---|---|
| What the offer is sized from | The trading history your platform already holds — payments, payouts, invoices, shifts or bookings — whoever processes the money. | Payment processing history on Stripe. |
| Who has to be on which processor | Nobody. Slate does not need to touch your payments. | The business processes payments with Stripe. |
| Whose brand it carries | Yours, end to end, including the emails, on a domain you own. | Available to platforms as a Stripe-powered offering. |
| What you can offer | Working capital, a revolving credit line, payroll bridge and card float, from one integration. | Financing repaid from a share of processed volume. |
| What you earn | A share of the spread on every advance, on a 50/50 split. | Platforms can earn on financing originated through them. |
Stripe Capital is a trademark of its owner and is not affiliated with Slate. Everything in this column is drawn from their published product information and was accurate when this page was written.
Your data is better than your processor’s
A processor sees money moving. Your platform sees why it moved — the shift that was worked, the invoice that was raised, the payroll that runs on Friday. That is a better read on whether a business can repay, and it is the read only you have.
It stays your product
Capital inside your software should look like your software. The offer, the application, the schedule, the payments and every message carry your brand and sit on a domain you own, so the programme builds your relationship rather than somebody else’s.
You keep half the spread
Slate puts up the money, underwrites, services and carries the loss, and the spread is split 50/50. Offering capital becomes a line of revenue rather than a feature you subsidise.
FAQ
No. Slate never touches your payments. We size the offer from the trading history your platform already records, whoever processes it.
See it on your own data.
Open a sandbox and put the element in, or talk to someone who has launched one.