Loans to Grow Your Business

Genius Loans from GlossGenius provides access to fast, flexible financing so you can manage your cash flow and invest in your own success.

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No lengthy application

No personal credit check or complicated application. Eligibility is based on payment history with GlossGenius.

One flat fee

Pay one flat fee that never changes. No compounding interest charges, collateral obligations, or late fees.

Get funds quickly

If approved, funds typically arrive the next business day, directly into your bank account.

Pay when you get paid

Fully automated repayment — Stripe deducts a fixed percentage of your sales until the loan is repaid¹.

How it works

  • Check your eligibility

    Check your inbox for an email from capital@stripe.com to get your loan offer details. If you have a loan offer email, that means you are eligible.

  • Select your offer

    Select the amount that’s right for your business needs. The fee and repayment rate are set based on the accepted amount.

  • Receive your funds

    Pending Stripe review, funds will be deposited into your bank account, typically by the next business day.

  • Pay down as you earn

    You’ll automatically repay the loan with a fixed percentage of your daily sales until the total amount is repaid.

FAQ

How do you determine who qualifies for an offer?

Eligibility is determined based on a combination of factors, including overall sales volume and history with GlossGenius. Eligible U.S. businesses will receive an email if they have an offer available.

Do I have to pay interest?

No, you’ll pay one flat fee that does not change. You won’t pay any interest on top of this fee.

Will applying for an offer affect my personal credit rating?

No, there is no personal credit check. All offers are based on your history with GlossGenius Payments.

Can I request a different offer amount?

When you access the Capital offer, you can use a slider to choose a custom amount (up to the maximum offer amount). The loan fee and repayment rate adjust based on the amount you choose.

How does repayment work?

Repayment is collected automatically through a percentage of your sales through GlossGenius as they are processed, which means you pay down your balance more when you’re booked, and less if things slow down. As long as you meet your minimum payment requirement, what you pay each day adjusts to your sales.

Loans are issued by Celtic Bank. All loans are subject to credit approval.
¹ Stripe is our payment processing partner who helps us make Genius Loans possible
* There is a minimum required payment, and if the withholdings from payments doesn't cover that minimum, then the user must makeup the difference

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