Grow without the complexity.
Get the capital to do it.
Hapana Capital, powered through Stripe. Prequalified business financing, drawn from the revenue you already process on Hapana, so funding keeps pace with how your business runs.
All financing applications are subject to review prior to approval. Hapana Capital is available to customers who process payments through Stripe.
Hapana Capital is delivered with Stripe and funded by Fundbox, an external finance provider. Payments are facilitated by Stripe.
How it works
Fast funding, and payments that move with your sales.
Check your eligibility
Eligibility is based on factors like your payment volume and history on Hapana through Stripe, and you need to have processed with us through Stripe for at least three months. No lengthy paperwork. All financing applications are subject to review prior to approval. No personal credit check.
Review your prequalified offer
Choose the amount that suits your business. You see the flat fee and the payment rate up front, so there are no surprises.
Get funded
If approved, funds are transferred to your bank account typically in two business days.
Pay as you earn
You pay a fixed percentage of your daily sales until the total is paid.
Put it to work in your business
If approved, use the funds for whatever your business needs.
Transparent by design
One flat fee, fixed from day one.
No compounding interest, no late fees, and no early payment fees.
Payments flex with your sales.
When sales are strong you pay more, when they are quiet you pay less. The one flat fee never changes.
Your data, working for you.
Opt-in, and never sold.
No personal credit check.
See what your revenue could unlock
Hapana Capital is available to Hapana customers who process payments through Stripe for at least three months. Eligibility is reviewed regularly, so it can change as your business grows.
FAQ
Eligibility is determined by Stripe, based on a combination of factors, including your overall sales volume and your history of Stripe payments through Hapana. You need to have processed payments through Stripe on Hapana for at least three months. Eligible businesses will receive an email if they have an offer available.
No. You will pay one flat fee that does not change. You will not pay any interest on top of this fee.
No. Hapana Capital does not require a personal credit check, so applying will not affect your personal credit rating.
After you open your offer, you can review it and use a slider to choose a custom amount, up to the maximum offer amount. The financing fee and the payment rate adjust based on the amount you choose.
The flat fee is included in your payment total, so you pay it automatically through a fixed percentage of your sales until the total amount is paid.
Payment is collected automatically through a percentage of your Hapana sales as they are processed. The payment terms for your offer will be detailed during the application process.
If your application is approved, funds typically arrive in your bank account as soon as two business days. To make sure funds are disbursed, you must set a valid bank account as your primary payout method, which is done through Stripe.
No. Funds cannot be disbursed to a card. You must set a valid bank account as your primary payout method on Stripe.
Each offer is available for 30 days. After that, your business is automatically re-evaluated to see if you are eligible for a new offer.
Yes. You can make additional payments or pay the total amount owed in full at any time. There are no additional fees for early payment.
Once you pay the total amount owed, you are automatically evaluated for a new offer. Paying early does not automatically qualify you for one.
Tax treatment depends on your situation, so we recommend speaking with a tax advisor. In general, financing funds are not considered taxable income at the time of receipt, and amounts withheld to meet your obligations are not tax deductible.
Eligibility is based on a combination of factors, such as your payment history. If you are eligible for an offer, you will receive an email. If you have not received a notification, you are not eligible at this time. If you would like to receive a financing offer but are not eligible yet, we recommend processing more of your payments through Stripe on Hapana. While not guaranteed, increased payment volume and your history with Hapana might increase your likelihood of receiving a financing offer.
Financing is provided by Fundbox, an external finance provider, with payments facilitated by Stripe. Hapana is not the lender.
For questions about how the financing program works, you can contact our Stripe partners directly at capital-support@stripe.com. For matters that need the financing partner, Stripe may direct you to Fundbox at stripe-capital@fundbox.com.
In Australia, Hapana Capital is offered through Stripe Capital. Stripe Capital financing is provided by Fundbox, an external finance provider, with payments facilitated by Stripe. Funding amounts, rates, and terms are based on review and approval of a completed application, and are subject to change. Additional documentation may be required.