Clio Capital enables firms to apply for pre-approved business financing. Powered by Stripe, Clio Capital uses your firm’s processing history to extend financing offers to qualifying firms that use Clio Payments.
Understand Clio Capital financing terms
Before you apply, review these terms to understand the cost and structure of your financing. Qualifying firms will see their specific financing offer directly within Clio Manage. For questions regarding your application or loan, contact Stripe directly at capital+support@stripe.com using the same email address you use to log in to Clio Manage. To expedite your request, you can use the Stripe Support Email Template (PDF).
Important: Clio Capital financing is powered by Stripe and issued by Celtic Bank. All loans are subject to credit approval.
- Eligibility: Eligibility is determined by your firm’s processing history and record. Personal collateral or guarantees are not required. Applying for Clio Capital will not impact your firm or personal credit score.
- Cost: A flat, fixed fee is applied to the total loan amount to cover service costs. You will not be charged late or compound fees.
- Repayment: Your firm repays the total amount owed (financing amount + fixed fee) through equal weekly payments over a 42-week period.
- Funding timeline: Once your application is complete, approval takes up to three business days. After approval, funds typically arrive in your account within two additional business days.
View and start application
You can view your pre-approved offer and begin the application process in Clio Manage.
Note: Stripe will review your application within three business days. If approved, your loan amount will be deposited into your payout account within two business days. You can track the status of your application from the Capital subtab.
- In Clio Manage, navigate to Accounts.
- Click the Capital subtab.
- Click Start application.
- In the modal, use the slider to select the financing value you want to accept.
- Review the details of the loan, including the Equal weekly payment, Duration, Financing amount, Fixed fee, and Total amount owed.
- Click Continue.
- In the new modal, click Add bank accounts.
- Connecting your firm's bank account is necessary to confirm your firm's financial activity for eligibility and to collect your weekly repayments after funding.
- Review the current business representative and owners who own 25% or more of the company.
- Click Edit to update management or ownership information.
- Click Add another to include additional owners.
- Click Continue.
- Review the Financial summary modal.
- Check the boxes to agree with the Loan Agreement, E-sign Policy, and your bank's privacy policy.
- Click Submit application.
Manage repayments
After the funds are deposited, you can view your loan history and details at any time from the Capital subtab. Equal weekly payments are automatically deducted from your payout account.
Tip: For specific questions regarding your loan agreement, eligibility details, or Stripe's privacy policies, please contact Stripe directly at capital-support@stripe.com.
Track your progress
- Click Accounts in the navigation bar.
- Click the Capital subtab. From here, you can:
- Filter: Limit your view of the repayment history.
- View details: Open the full terms of your financing.
- Export: Click Export and select CSV to download a record of your financing history.
Record a manual repayment
If you choose to pay down your loan faster than the weekly schedule, you can make a manual payment.
- In the Capital subtab, click Make payment.
- Enter the payment amount.
- Confirm the payment details and click Submit.