Stripe Capital vs Square Loans

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

Compare	Stripe CapitalStripe	Square LoansBlock
In one line	Advances repaid as a cut of your Stripe sales	Advances for Square sellers, repaid from card sales
Starting price	Flat fee, no interest	Flat fee, no interest
Six-person team	Flat fee, no interest	Flat fee, no interest
Plans	One flat fee per loan, no interest; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	One flat fee per loan, no interest; a fixed share of daily card sales repays it
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Stripe only	Square only
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US · UK	US · UK · CA · AU
Phone support	Every plan	Plans not stated (US)
Live chat	Every plan	Plans not stated
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page
Fit: Retail shop	50	90
Fit: Restaurant or café	40	85
Fit: Service business	60	70
Fit: Agency or studio	60	20
Fit: Trades or contractor	40	50
Fit: Online store	90	40
Why people pick it	No paperwork Repayment flexes with sales	Offers appear automatically No fixed monthly payment
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Must sell through Square Minimum repayment every 60 days
	Visit Stripe Capital ↗	Visit Square Loans ↗

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