Stripe Capital vs National Funding

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Stripe CapitalStripe	National FundingNational Funding
In one line	Advances repaid as a cut of your Stripe sales	Working capital up to $500K and equipment financing
Starting price	Flat fee, no interest	Rates by quote
Six-person team	Flat fee, no interest	Rates by quote
Plans	One flat fee per loan, no interest; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	Working capital $6K-$500K, daily or weekly payments over 4-24 months; equipment financing up to $150K over 2-5 years; rates not published; most customers 600+ FICO
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Stripe only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK	US
Phone support	Every plan	Every plan
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Phone: Monday – Friday 7:30am to 4:30pm PT
Incidents posted	Stripe has a public status page. Status page	We found no public status page for National Funding.
Trustpilot score	Not listed	4.6 / 5 from 2,215 reviews
Fit: Retail shop	50	72
Fit: Restaurant or café	40	75
Fit: Service business	60	68
Fit: Agency or studio	60	55
Fit: Trades or contractor	40	78
Fit: Online store	90	62
Why people pick it	No paperwork Repayment flexes with sales	Large amounts Equipment financing too
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Rates not published Daily or weekly repayments
	Visit Stripe Capital ↗	Visit National Funding ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices