Stripe Capital Expands Globally With Launch of Business Financing in Australia

Stripe, the global payments and fintech infrastructure giant, has announced it will now offer Stripe Capital to businesses in Australia, marking a significant expansion of its lending operations beyond the U.S. market. This move reflects the growing demand for embedded finance solutions and reinforces the trend of fintechs integrating capital access directly into the platforms that businesses already use on a daily basis.

Stripe Capital has been offering revenue-based financing in the United States since 2019, enabling small- and medium-sized businesses (SMBs) to access working capital without the lengthy, paperwork-heavy process often associated with traditional bank loans. The model has proven popular: capital offers are based on a business’s transaction history with Stripe, with repayments automatically deducted as a fixed percentage of daily sales. It’s fast, automated, and requires no personal guarantees or credit checks, qualities that appeal especially to digital-native businesses.

Now, Australian Stripe users will be able to apply for similar financing through their Stripe dashboards. This localized rollout comes at a time when SMBs in Australia are increasingly seeking alternative funding sources to navigate rising costs, delayed payments, and limited bank credit access. By using the data already flowing through the Stripe ecosystem, the company can offer eligible merchants quick, pre-approved capital, sometimes within a day.

As Stripe continues its expansion into new markets with its broader suite of tools, this move signals that capital access is becoming a core offering in the global fintech playbook.