Brightwheel has partnered with Stripe to offer eligible businesses access to fast, flexible financing. Below are answers to the most common questions about brightwheel Capital.

Check your Capital page in your account for eligibility.

If your account hasn’t been identified as eligible at this time, we do apologize for the inconvenience. Please note that accounts are reviewed daily, so eligibility can change as your payment history with brightwheel grows. You may want to check back in a few months to see if your eligibility status changes.

Eligibility is based on a number of factors, including your transaction volume and history with brightwheel.

Each offer outlines the financing amount, flat fee (no other fees, no compounding interest), total amount owed, and payment rate (the percentage of your daily brightwheel card transactions withheld to pay your balance).

Yes. If eligible, you’ll receive personalized offers and can choose the one that works best for your business.

If you’re approved, the financing amount will be deposited into the bank account associated with your brightwheel account within 1 to 2 business days, along with your usual payout.

You’ll automatically pay the financing through a percentage of your daily card transactions according to your payment rate. Payment begins automatically 1 to 2 business days after funds are deposited. The more card transactions you process through brightwheel payments, the faster you’ll pay.

When business slows down, your automatic payments adjust accordingly. However, for brightwheel Capital loans you’re expected to meet a minimum payment requirement each period. If deductions fall short, Stripe will automatically debit your bank account for the remaining amount needed. You can view your minimum payment amount in the Capital Dashboard or in your financing agreement.

Yes. Click the Make Payment button on your Capital financing overview page at any time. There are no additional fees for paying early.

No. Paying early does not guarantee a subsequent offer. Accounts are automatically reviewed for additional offers on a daily basis, and you’ll receive an email if you qualify.

Each offer includes a flat fee in exchange for the financing amount. There are no other fees and no compounding interest. Your total amount owed is the financing amount plus the flat fee, and that total does not change.

No. There are no additional fees for early or manual payments.

Visit the Capital page in your brightwheel account to see a daily summary of your payment progress and remaining balance.

Your payment obligation remains regardless of whether you continue processing payments through brightwheel. If you stop, you’ll need to arrange payment directly with Stripe. You can contact them directly at capital+support@stripe.com.

Accounts are automatically reviewed for additional offers on a daily basis. If you become eligible again, you'll see your new offer in the Capital page in your brightwheel account.

Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the U.S., Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances. See your Capital Dashboard for the terms of your offer.