Stripe has embedded automated working capital lending directly into its Treasury API, allowing marketplace platforms to offer cash advances to sellers without routing through a third-party lender. The product, announced at Stripe Sessions this week, uses real-time transaction data from the platform to underwrite advances in under 60 seconds.
The feature targets the estimated $4.7 trillion in annual GMV flowing through platforms built on Stripe — marketplaces, SaaS platforms with payments, and gig economy apps. Sellers can now receive capital advances of up to 120% of their trailing 30-day volume, repaid automatically through future settlement.