Stripe Capital

Walla has partnered with Stripe to give eligible studios fast, flexible access to financing through the Stripe Capital program — so you can invest in your space, your team, and your growth without the hassle of a traditional loan.

We automatically review Walla accounts for eligibility on a daily basis. If your studio qualifies, you'll get an email letting you know an offer is available. Eligibility is based on a combination of factors, including your overall sales volume and history processing payments through Walla — there's nothing you need to apply for or request in advance.

If you're eligible, you'll receive an email with your personalized offer. From there, you can choose the amount that's right for your studio, up to your maximum offer amount, using a simple slider — the financing fee and payment rate adjust automatically based on the amount you select.

Every offer breaks down into four things:

• Financing amount — the amount deposited into your bank account
• Financing fee — a single flat fee for the financing, with no other fees and no compounding interest
• Total amount financed — your financing amount plus the flat fee
• Payment rate — the percentage of your daily Walla sales that goes toward paying down your financing

Example offer:

If you accepted this example offer and were approved, you'd see $17,000 deposited into the bank account linked to your Walla account within 1–2 business days, alongside your usual payout. From there, 12% of your daily transaction total would go toward your financing — on top of your usual processing fees — until the full $18,700 is paid.

Payment happens automatically as a percentage of your daily sales, based on your payment rate — there's nothing to schedule or manage. The process starts 1–2 business days after your funds are deposited. The more you process through Walla, the faster your financing gets paid down.

Want to pay it off faster, or pay the full remaining balance? You can make a manual payment any time from your financing overview page — there are no fees for paying early. Keep in mind that paying early doesn't guarantee you'll receive another offer; we review accounts for new offers daily and will email you if you qualify.

You're expected to pay a minimum amount each payment period, which is set during underwriting based on your financing's total term. If what's withheld from your sales during that period covers the minimum, you're all set — your financing continues on its normal pace. If it falls short, the remaining amount will be automatically debited from your bank account or account balance. You can always check your minimum payment amount and daily progress from your Dashboard or financing agreement.

The amount withheld toward your financing shows up as its own line item — Financing Payments — in your Walla Payout Report, separate from your regular sales activity. That way, it's easy to see exactly how much of your gross card revenue went toward your financing on any given day, and how that affected your final payout amount.

Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances. See your Dashboard for the terms of your offer.

Stripe Capital loans have a minimum amount due each payment period. If the amount that you pay through sales doesn't meet the minimum required, your bank account will be automatically debited the remaining amount at the end of the period.