BoE Base Rate: 3.75% (since 18 March 2026) Invoice finance discount charges are typically base rate + 1.5-3.5%

Invoice Finance for Stripe and PayPal Merchants UK 2026

Market Invoice is an independent UK invoice finance comparison site that ranks 85 active UK lenders.

UK businesses with most revenue arriving via Stripe or PayPal have four practical working capital options. Stripe Capital and PayPal Working Capital are revenue-based finance products offered automatically to qualifying merchants, deducting repayments as percentages of future card revenue (typical APR equivalent 8-15%, fast and frictionless). Liberis and Iwoca offer third-party merchant cash advances against the same card receivables (typical 12-25% factor rate, more flexible). For B2B revenue alongside card sales, selective invoice finance from Hydr, Triver or Kriya covers the gap. A handful of specialist lenders also accept aggregated Stripe payouts as financeable receivables.

Last updated: 9 May 2026.

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UK businesses with most revenue arriving via Stripe or PayPal have four practical working capital options. Stripe Capital and PayPal Working Capital are revenue-based finance products offered automatically to qualifying merchants, deducting repayments as percentages of future card revenue (typical A

Summary

UK businesses with most revenue arriving via Stripe or PayPal have four practical working capital options. Stripe Capital and PayPal Working Capital are revenue-based finance products offered automatically to qualifying merchants, deducting repayments as percentages of future card revenue (typical APR equivalent 8-15%, fast and frictionless). Liberis and Iwoca offer third-party merchant cash advances against the same card receivables (typical 12-25% factor rate, more flexible). For B2B revenue alongside card sales, selective invoice finance from Hydr, Triver or Kriya covers the gap. A handful of specialist lenders also accept aggregated Stripe payouts as financeable receivables.

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invoice finance and alternatives for UK Stripe and PayPal merchants: Stripe Capital, PayPal Working Capital, merchant cash advances, B2B invoice finance combinations

Not Covered Here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

UK providers worth knowing

Provider	Fee from	Min turnover	Why it fits
Hydr	Variable	No min	Selective invoice finance for B2B alongside card revenue
Triver	1.5%+	No min	API-driven, instant decisions on B2B receivables
Kriya (Allica Bank)	1.5%+	£100k	Selective B2B financing for hybrid revenue businesses

Why standard invoice finance doesn't fit Stripe/PayPal merchants

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Stripe Capital eligibility and pricing

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

PayPal Working Capital UK explained

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

UK alternatives: Liberis, Iwoca, 365 Business Finance

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Combining card-based finance with B2B invoice finance

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

OM

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 9 May 2026

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Stripe / PayPal Merchant Finance UK FAQ

Can I get invoice finance against Stripe or PayPal payouts UK?

Direct invoice finance against card payouts is rare because they're not B2B invoices in the legal sense. The relevant products are revenue-based: Stripe Capital (automatic to qualifying Stripe merchants), PayPal Working Capital (automatic to qualifying PayPal merchants), or third-party merchant cash advances from Liberis or Iwoca. A handful of specialist lenders accept aggregated card payouts as financeable for B2B-led businesses; consult Capitalise or Funding Options brokers.

What is Stripe Capital?

Stripe Capital is a working capital loan offered to qualifying Stripe merchants. Loan size scales with monthly Stripe revenue (typical £5k-£500k). Repayments deducted automatically as 5-30% of future Stripe payouts until repaid. APR equivalent typically 8-15%. Application takes minutes, decision in 24 hours, no paperwork because Stripe already has your data. Eligibility based on Stripe payment history and account standing.

PayPal Working Capital eligibility UK?

Available to UK businesses processing £15k+ per year via PayPal Business with at least 3 months of PayPal history. Loan size scales with PayPal revenue, typically up to 35% of trailing 12-month PayPal sales. Single fixed fee (typically 12-25% of loan amount). Repayments deducted as 10-30% of future PayPal sales until repaid. No personal guarantees required.

Stripe Capital vs invoice finance UK?

Stripe Capital: revenue-based, repaid via card sales, 8-15% APR equivalent, fast/frictionless, only for Stripe merchants. Invoice finance: debt-based, repaid via specific B2B invoices, 0.5-3% fee per invoice, requires B2B invoicing, more flexible facility size. Many businesses use both: Stripe Capital for card revenue, invoice finance for B2B wholesale invoices alongside.

Best UK alternatives to Stripe Capital?

Liberis (the leading UK merchant cash advance specialist), Iwoca (revenue-based business loans), Funding Circle (term loans against card revenue), 365 Business Finance (cash advances for retailers and ecommerce). All four work with card receivables as the underlying repayment source. Get quotes from at least two; pricing varies materially by sector and trading history.

Can I combine invoice finance and Stripe Capital?

Yes. Stripe Capital and invoice finance fund different revenue streams (card sales vs B2B invoices) and don't conflict. Many ecommerce wholesalers use Stripe Capital for retail card revenue plus invoice finance from Hydr or Kriya for B2B wholesale invoices. Confirm with both providers before facility setup, but in practice most lenders are comfortable coexisting because their security/repayment sources don't overlap.