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Access to fast, flexible financing so you can manage cash flow and invest in growth.

Jump start your business with flexible, on-demand cash. No lengthy application or personal credit check required—eligible businesses are pre-qualified to receive funds in 1-2 business days. Get cash you need to grow your business today!

Need help setting it up?

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Benefits and features

  • No lengthy application: There's no personal credit check and no complicated application process. Eligibility is based on factors like your payment volume and history on Promenade Payments
  • Get funds quickly: Funds typically arrive in 1-2 business days, directly into your account.
  • One flat fee: Pay one flat fee that never changes. There are no compounding interest charges or late fees.
  • Pay when you get paid: Repayment is fully automated and adjusts to your daily sales. Promenade deducts a fixed percentage of your sales until the total owed is repaid.
  • Accelerate your growth: Businesses that accepted a Capital offer saw an +114% increase in payment volume growth rate.

Eligibility is based on a combination of factors, such as your payment history on Promenade Payments. If you’re eligible for an offer, we’ll contact you via email. If you haven’t received any notification from us, that means you’re not eligible for an offer at this time.

If you’d like to receive a financing offer, but are not eligible at this time we recommend migrating more of your business’ payments to Promenade Payments. While not guaranteed, increased payment volume and your history with Promenade payments can increase your likelihood of getting a financing offer.


How it works


Check your eligibility

Check your email and Dashboard to see if you’re eligible for an offer based on factors like payment volume and history on Promenade Payments.


Select your offer

Select the amount that’s right for your business needs. The loan fee and repayment rate are set based on the loan amount.


Receive your funds

After our team reviews your selection, the funds will be deposited into your account, typically in 1-2 business days after approval.


Pay down as you earn

You’ll automatically repay the loan with a fixed percentage of your daily sales until the total amount is repaid.

You can use this financing for whatever your business needs, such as:

Buying equipment

Purchasing inventory

Marketing campaign

Managing cash flows

Inquiring minds want to know

Frequently asked questions

How do you determine who qualifies for an offer?

Eligibility is determined based on a combination of factors, including overall sales volume and history with Promenade. Eligible U.S. businesses will receive an email and Dashboard notification if they have an offer available.

Do I have to pay interest?

No, you’ll pay one flat fee that does not change. You won’t pay any interest on top of this fee.

Will applying for an offer affect my credit rating?

No, there is no personal credit check. All offers are based solely on your history with Promenade.

Can I request a different offer amount?

When you log into your Promenade Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The loan fee and repayment rate adjust based on the amount you choose.

When do I need to pay the flat fee?

You’ll automatically pay the flat fee via a percentage of your sales until the total amount owed is repaid. The fee is not charged up-front.

How does repayment work?

Repayment is collected automatically through a percentage of your Promenade sales, which means you pay down more when business is busy and less if things slow down. As long as you meet your minimum payment requirement every 60 days, what you pay each day adjusts to your sales.

What is a minimum payment?

A minimum payment is the minimum amount that you’re expected to repay every 60 days such that the maximum duration of the loan does not exceed 18 months. If the total amount that you repay through payments deducted from your sales in a 60-day period falls below the minimum payment requirement, you will be required to pay the remaining amount at the end of the period. You can view your minimum payment amount in the Dashboard or in your loan agreement.

How do I make my minimum payment?

If your payments deducted from sales cover the minimum payment requirement for the 60-day period, no action will be taken. If you have not met the minimum payment amount by the end of the 60-day period, Stripe will automatically debit your bank account the balance needed to meet your minimum payment. There’s no action needed on your part.

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

If your application is approved, you’ll see the funds in your bank account typically in 1-2 business days.

What happens when my offer expires?

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

Can I repay my loan early?

Yes, you can make additional payments or pay the total amount owed in full at any point by clicking the ‘Make Payment’ button in your Dashboard. There are no additional fees for early repayment.

Will repaying early qualify me for a new offer?

Once you repay the total amount owed, you’ll automatically be evaluated for a new offer. Repaying early does not automatically qualify you for a new offer.

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, Promenade 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 the Promenade Capital program?

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

Disclaimer: Loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank Member FDIC. All loans subject to credit approval.