Invoice Finance for Stripe and PayPal Merchants UK 2026

Invoice finance fits the invoices you send to businesses. Compare lenders for those invoices, then get 3 free quotes. Free and no obligation.

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If most of your money comes in through Stripe or PayPal, invoice finance won't help with that part, because card payouts are not invoices. Stripe and PayPal each offer their own finance to some UK users, for one fixed fee, repaid out of future sales. Invoice finance only fits the invoices you send to other businesses. Market Invoice is a UK invoice finance comparison site; see our provider directory. The quote form below is for the invoice side.

What this page covers

This page covers

Stripe Capital and PayPal Working Capital as their own UK pages describe them, how they differ from invoice finance, and lenders for business invoices

Not covered here

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

Stripe Capital and PayPal Working Capital

PointStripe CapitalPayPal Working Capital
Who can get itSelected UK businesses, based on payment volume and history on StripeAt least £9,000 a year of PayPal sales and a business account at least 90 days old
CostOne fixed fee (example: £1,500 on £15,000)One fixed fee
RepaymentA fixed percentage of your sales until repaidA percentage of PayPal sales you choose, with a minimum payment every 90 days
AmountNo general limit publishedUp to £200,000 (£300,000 for repeat funding)

Sources: Stripe Capital (UK) and PayPal Working Capital (UK), read 14 October 2026. Check the current terms on each page before you apply.

Lenders for invoices to businesses

LenderPublished minimum turnoverPaid up frontSource
Hydr No minimum (single invoices) Up to 100% per invoice hydr.co.uk

Figures as published on each lender's own website, checked 1 October 2026.

Hydr funds single invoices with a fixed fee per invoice. Triver also funds single invoices: it says it funds invoices from £100 to £100,000, with a daily fee from 0.06% per day, about 1.8% on a 30-day invoice (triver.com, read 14 October 2026).

AP

Adam Parker

Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd

Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.

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Stripe / PayPal Merchant Finance UK FAQ

Can I get invoice finance against Stripe or PayPal payouts?

No. Card and PayPal payouts are not invoices to a customer, so an invoice finance lender has nothing to fund. Stripe and PayPal both offer their own finance to some UK users, repaid out of future sales. If you also send invoices to businesses, those invoices can be funded with invoice finance.

What is Stripe Capital?

Finance offered to selected UK businesses that take payments through Stripe. Stripe says it looks at your payment volume and history on Stripe. You pay one fixed fee, and Stripe takes a fixed percentage of your sales until the total is repaid. Stripe's examples include a £1,500 fee on £15,000. Stripe says funds usually arrive the next business day once approved. The finance is provided by YouLend.

Who can get PayPal Working Capital in the UK?

PayPal says you need at least £9,000 a year of PayPal sales and a PayPal business account that is at least 90 days old. It offers up to £200,000, or up to £300,000 for repeat funding. You pay one fixed fee and choose a percentage of your PayPal sales to go towards repayment, with a minimum payment due every 90 days.

How is Stripe Capital different from invoice finance?

Stripe Capital is repaid as a share of your future card sales, for one fixed fee. Invoice finance pays you most of an invoice you have already sent to a business customer, and you get the rest, less fees, when the customer pays. The fees are not quoted the same way, so compare the total cost in pounds for the same amount and time.

What other finance could a Stripe or PayPal business look at?

iwoca offers a flexible credit line, with rates it says start at 1.5% per 30 days. Funding Circle offers fixed-term business loans repaid in fixed instalments. Neither is repaid out of your card sales, and neither is invoice finance. Compare the total cost and the repayment terms.

Can I use invoice finance and Stripe Capital together?

Sometimes. They fund different money: card sales and business invoices. But invoice finance lenders usually take security over the business, and another lender may also have a claim on your sales. Tell each lender about the other before you sign.