No. There is one flat fee with no compounding interest and no late fees.

Introducing theCut Capital

Invest in your business with thecut capital

Q: Can I apply for theCut Capital?

No. Financing offers are only extended to businesses that Stripe determines are currently eligible.

Q: How do I know if I'm eligible?

Eligible businesses receive a financing offer by email. If you haven't received an offer, you are not currently eligible.

Q: Why haven't I received an offer?

Financing offers are generated automatically by Stripe based on multiple factors related to your business and payment activity. Support teams cannot manually create or approve offers.

Q: Does applying affect my personal credit score?

Applying for financing through Stripe Capital may require a personal credit check in some situations, but according to Stripe, this does not affect your personal credit score.

Q: How is repayment calculated?

Repayment is automated. A fixed percentage of your sales is deducted until the financing is repaid, plus one flat fee known upfront.

Q: What happens if my sales slow down?

Because repayment is a fixed percentage of your sales, the amount applied toward your balance moves with your sales activity.

Q: How can I improve my chances of receiving an offer?

Eligibility is never guaranteed, but increasing your payment volume through Mobile Pay and building payment history with Stripe through theCut may help.

Access fast, flexible financing designed to help you invest in your business. Whether you're upgrading equipment, expanding your shop, or purchasing inventory, theCut Capital makes it easier to access funding when you're eligible.

How it works

Who is eligible

Why theCut Capital?

Financing built around how barbers actually get paid.

Automatic approvals

If your business is eligible, you'll automatically receive an invitation to review available financing offers—no manual application needed to get started.

Fast access to funds

If approved, funds are typically deposited into your bank account within one to two business days.

One flat fee

Know your financing cost upfront with one flat fee. No compounding interest and no late fees.

Pay as you earn

Repayment is automated by deducting a fixed percentage of your sales until the financing is repaid.

Eligibility

Who is eligible?

Eligibility for theCut Capital is determined by Stripe and its financing partners through an automated review process. Offers are not available by application and cannot be manually requested.

Stripe evaluates a variety of factors when determining eligibility, including your payment processing history through Mobile Pay, processing volume, business growth, customer base, and other account health signals. Eligible businesses receive an offer by email and within their Stripe/theCut Capital experience.

Haven't received an offer yet?

Stripe continuously reviews eligible businesses, and if you qualify in the future, you'll automatically receive an offer. Processing Mobile Pay transactions will strengthen your transaction history and increase likelihood of financing. However, it does not guarantee eligibility or a future offer.

The Journey

How theCut Capital Works

Receive an offer

If Stripe determines your business is eligible, you'll receive an invitation to review available financing offers.

Choose your offer

Review your available financing amount, repayment rate, and flat financing fee.

Application review

Complete the application for review. Approval is still required.

Receive your funds

If approved, funds are deposited directly into your bank account, typically within one to two business days.

Repay automatically

A fixed percentage of your sales is automatically applied toward repayment until the financing balance is paid.

Put it to work

What can you invest in?

Upgrade equipment

Purchase new barber tools, chairs, or equipment.

Improve your workspace

Renovate your suite or invest in your shop.

Purchase inventory

Stock products and supplies for your business.

Grow your business

Invest in opportunities that help your business continue growing.

Grow your odds

Increase your chances of receiving an offer

While eligibility is determined entirely by Stripe, building a healthy payment history through Mobile Pay helps Stripe better understand your business over time.

Factors that may contribute to future eligibility

Consistent Mobile Pay processing

Healthy payment volume

Strong account health

Meeting these factors does not guarantee a future financing offer. Stripe evaluates eligibility using multiple signals and reviews businesses on an ongoing basis.

Learn about mobile pay

Accept card payments in the chair and build your payment history.

Learn more

FAQ

Frequently asked questions

Can I apply for theCut Capital?

How do I know if I'm eligible?

Why haven't I received an offer?

Does applying affect my personal credit score?

How quickly can I receive funds?

How is repayment calculated?

Are there late fees?

What happens if my sales slow down?

How can I improve my chances of receiving an offer?

Still Need Help?

If your question wasn't covered on this page, our Support team is happy to help. Contact us at support@thecut.co, and we'll get you the answers you need.