Introducing theCut Capital
Financing built around how barbers actually get paid
Access to funds when your business is ready to grow, with one flat fee and repayment that moves with your sales.
01 / 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.
02 / 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.
03 / 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.
04 / Put it to work
What can you invest in?
Grow your business
Invest in opportunities that help your business continue growing.
Purchase inventory
Stock products and supplies for your business.
Improve your workspace
Renovate your suite or invest in your shop.
Upgrade equipment
Purchase new barber tools, chairs, or equipment.
05 / 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
Regularly running payments through Mobile Pay builds a steady transaction history.
Healthy payment volume
Growing, reliable processing volume helps Stripe understand the size of your business.
Strong account health
Few disputes, low refund activity, and up-to-date account information all signal a healthy business.
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.
FAQ
Frequently Asked Questions
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