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Jun 25, 2025 09:38 PM
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Squarespace Capital offers U.S.-based businesses using Squarespace Payments flexible funding with automatic daily eligibility checks. Repayments are a percentage of daily card transactions, with no penalties for early repayment, but minimum payment requirements apply. Clear upfront costs make it easy to understand, but users should monitor transaction summaries to manage repayments effectively.
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Squarespace Capital: What You Need to Know
Squarespace partnered with Stripe to offer business funding through Squarespace Capital. Here's how it works and whether it might suit your business.
TL;DR: Key Points
- Squarespace works with Stripe to offer Squarespace Capital, a flexible financing option
- Only U.S.-based businesses using Squarespace Payments are eligible (checked automatically daily)
- You get a clear financing amount, flat fee, and repayment rate upfront
- Repayments come from a percentage of your daily card transactions
- No penalty for early repayment, but there are minimum payment requirements
What Is Squarespace Capital?
Squarespace Capital is a funding programme that Squarespace runs with Stripe. It's built for businesses that need quick access to cash to grow or manage cash flow.
The programme automatically checks your eligibility daily. If you qualify, you'll get an email with a personalised offer.
Who's Eligible?
Your business needs to tick these boxes:
- Based in the U.S.
- Uses Squarespace Payments for transactions
- Has solid transaction volume and history with Squarespace
There's no application process. The system reviews your account daily and sends offers if you qualify.
How the Offers Work
When you get an offer, it includes four key numbers:
Example offer:
- Financing amount: £17,000
- Flat fee: £1,700
- Total amount owed: £18,700
- Repayment rate: 12% of daily card transactions
The repayment rate means 12% of every card payment you process through Squarespace goes towards paying back the loan.
Repayment Process
Repayments start 1-2 days after the money hits your bank account. Here's how it works:
- Money is automatically taken from your daily card sales
- The percentage matches your repayment rate
- More sales mean faster repayment
- You can pay early without penalties through your loan overview page
Minimum Payments
Each repayment period has a minimum payment requirement (set during underwriting). If your automatic deductions don't cover this minimum, Stripe will automatically take the shortfall from your bank account or Squarespace account.
Pixelhaze Tip: Check your daily transaction summaries on the loan overview page regularly. This helps you track repayment progress and spot any issues early.
Common Questions
How do I know if I'm eligible?
You don't need to apply. The system automatically checks based on your transaction volume and Squarespace Payments usage. Only U.S. businesses qualify.
Can I pay early?
Yes, with no extra fees. Use the 'Make Payment' button on your loan overview page.
What if I don't meet minimum payments?
Stripe automatically takes the shortfall from your connected bank account or Squarespace account.
Key Terms Explained
Squarespace Capital: The funding programme run by Squarespace and Stripe for eligible businesses
Flat Fee: A fixed fee added to your financing amount (this is basically the interest cost)
Repayment Rate: The percentage of daily transactions used to pay back the loan
Minimum Repayment Requirement: The lowest amount you must pay each period, regardless of transaction volume
Is This Right for You?
Squarespace Capital works well if you have consistent card transactions and need quick funding. The automatic repayment system means you don't need to remember monthly payments, but it also means less control over cash flow timing.
The flat fee structure makes costs clear upfront, but compare this with traditional business loans to see what works best for your situation. Keep an eye on your transaction summaries to stay on top of repayments and avoid any surprises with minimum payment requirements.