Merchant financing
Growth funding based on the sales you already make
Take payments through Enterprise Pay Gateway and you may be offered financing that is repaid automatically from a share of your daily sales. No credit check, no fixed monthly payment, and one flat fee you can see before you accept.
You can apply straight from this page — no account needed to get started.
Financing is provided by our banking partner Stripe to eligible merchants. Offers depend on your processing history and are not guaranteed. Enterprise Pay Gateway is not a lender.
Based on your sales, not your credit score
Eligibility comes from the payment history already in your account. No personal credit check, no business plan, no paperwork.
Repaid as a share of daily takings
A fixed percentage of each day's sales goes toward the balance. Quiet week, smaller repayment. There is no fixed monthly bill to miss.
One flat fee, shown up front
You see the amount, the total to repay and the repayment rate before you accept. No compounding interest and no late fees.
Funds in days, not weeks
Accepted offers are funded to the same bank account your payouts already go to, usually within a couple of business days.
Underwritten by our banking partner
Financing is provided through Stripe. We surface the offer inside your dashboard so it sits alongside everything else about your business.
No obligation
Offers are an option, never a commitment. Ignore one and it simply expires.
What merchants use it for
- Buy a second treatment device or chair without draining cash reserves
- Stock up on retail product ahead of a busy season
- Fund a hiring push or a new location build-out
- Cover a marketing campaign that pays back over the following months
- Smooth payroll through a predictable slow month
Common questions
How is this different from a bank loan?
There is no application paperwork, no personal credit check and no fixed monthly repayment. Eligibility is based on the payment history already running through your account, and repayment is taken as a fixed percentage of each day's sales — so a slow week costs you less than a busy one.
Who decides if I qualify?
Our banking partner Stripe does, using the payment volume, consistency and account history of your connected account. Enterprise Pay Gateway does not lend money and does not make the credit decision.
What does it cost?
Financing is quoted as a single flat fee shown up front before you accept — not an interest rate that grows over time. You see the amount offered, the total to repay and the repayment percentage before agreeing to anything.
How fast do funds arrive?
Once an offer is accepted and any verification clears, funds are typically deposited into the same account your payouts land in within a couple of business days.
Do I have to take an offer?
No. Offers appear in your dashboard and expire if you ignore them. There is no obligation and declining does not affect your account.
How do I become eligible?
Take payments through Enterprise Pay Gateway. The longer and steadier your processing history, the more likely an offer becomes. Most merchants need a few months of consistent volume before anything appears.