Squarespace Capital FAQ

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Squarespace Capital FAQ

Last updated July 28, 2026 14:16

Answers to common questions about Squarespace Capital.

Offers and fees

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 Squarespace Payments. Eligible 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?

Select your location from the tabs below to review the information for your area.

Loan: No, applying will not affect your personal credit rating. All offers are based on a number of factors, including your history with Squarespace Payments.

Merchant cash advance: Yes, the finance provider will conduct a soft credit check as part of your application. This credit check won't impact your credit score, but may be visible to other organizations carrying out credit searches. If approved, receiving financing will leave a hard footprint on your credit record, which will impact your credit score.

When you apply, the finance provider will conduct a soft credit check as part of your application. This credit check will not impact your credit score, but may be visible to other organisations carrying out credit searches. If approved, when you receive financing, a hard footprint will be left on your credit record, which will impact your credit score.

When you apply, the finance provider will conduct a soft credit check as part of your application. This credit check will not impact your credit score, but may be visible to other organisations carrying out credit searches. If approved, when you receive financing, a hard footprint will be left on your credit record, which will impact your credit score.

No, applying will not affect your personal credit rating. All offers are based on a number of factors, including your history with Squarespace Payments.

What is a Merchant Cash Advance?

Businesses on Squarespace Payments may be offered a Merchant Cash Advance (MCA) via Squarespace Capital. An MCA is a purchase of a merchant’s future receivables by YouLend. Purchased receivables are withheld from your payment processing volume in a percentage specified in the YouLend Receiveables Purchase Agreement. Unlike a loan, there’s no fixed payment schedule or periodic debits. Instead, your payments vary based on payment processing volumes.

Do I have to provide a personal guarantee?

Select your location from the tabs below to review the information for your area.

Yes, applicants for merchant cash advances who are the director and a beneficial owner of the business must provide a personal guarantee.

Yes, applicants who are the director and a beneficial owner of the business must provide a personal guarantee.

Yes, applicants who are the director and a beneficial owner of the business must provide a personal guarantee.

No. Personal guarantees aren't required.

Can I request a different offer amount?

When you log into your Finance Dashboard, you can use a slider to choose a custom amount (up to the maximum offer amount). The financing fee and payment rate will adjust based on the amount you choose.

When do I need to pay the flat fee?

You’ll automatically pay the flat fee through a percentage of your sales until the total balance is paid. The fee isn’t charged up-front.

What happens when my offer expires?

Each offer is usually available for 30 days. After that point, your business will automatically be re-evaluated to see if you’re eligible for an additional offer.

Payment

How does payment work?

Payment is collected automatically through a direct bank debit or a percentage of your sales as they are processed, which means you pay down more when business is busy and less if things slow down. As long as you meet your minimum payment requirement, what you pay adjusts to your sales. Depending on your type of financing, you may have a date by which the total amount financed must be paid.

What is a minimum payment?

For Squarespace Capital loans, a minimum payment is the minimum amount that you’re expected to pay every payment period. That period will be determined during underwriting and based on the total term of your financing offer. If your automatic payments don't meet this minimum, you’ll be required to pay the remaining amount at the end of the period. You can view your minimum payment amount on your Squarespace Capital Dashboard or in your financing agreement.

How do I make my minimum payment?

If your regular payments meet the required minimum payment for the period, no action is needed. If you don't meet the minimum payment, Stripe may, depending on your financing, take the extra money from your bank account or account balance automatically.

Can I pay my financing early?

Yes, you can make additional payments or pay the total amount financed in full at any point by clicking the ‘Make Payment’ button in your Dashboard. There are no additional fees for early payment.

Will paying early qualify me for a new offer?

Once you pay the total amount financed, you’ll automatically be evaluated for a new offer. Paying early doesn't automatically qualify you for a new offer.

Funding

After I accept an offer, how quickly will I get my funds?

If your application is approved, you’ll see the funds in your bank account typically as soon as one business day. To ensure that funds are disbursed successfully, you must set a valid bank account as your primary payout method.

Can I have my Capital funds paid out to a card?

The disbursal of funds to a card isn’t currently supported. To ensure that funds are disbursed successfully, you must set up a valid bank account as your primary payout method.

How should I report these funds on my taxes?

In general, we understand that funds wouldn't be considered taxable income at the time of receipt, and that ‌amounts withheld to satisfy your obligations aren't tax deductible.

Note: This guide offers useful information, but it isn't legal or accounting advice. Squarespace doesn't provide advice about laws applicable to your site or business, as stated in our Terms of Service. If you have questions about collecting taxes, consider speaking with a tax advisor.

Additional questions

Who can I contact to learn more about the Squarespace Capital program?

If you have additional questions about how our financing program through Squarespace Capital works, please visit Getting started with Squarespace Capital or contact us.

Disclaimers

Select your location from the tabs below to review the disclaimer for your area.

Squarespace Capital offers eligible businesses access to fast, flexible financing. All financing applications are subject to review prior to approval. Loans are issued by Celtic Bank and serviced by Stripe, and YouLend provides merchant cash advances serviced by Stripe. See your Dashboard for the terms of your offer.

Squarespace Capital offers eligible businesses access to fast, flexible financing. All financing applications are subject to review prior to approval. YouLend provides merchant cash advances serviced by Stripe. See your Dashboard for the terms of your offer.

All financing requests are subject to final review prior to approval. Financing is provided in co-operation with YouLend GmbH and its affiliates. Technical support and customer management is provided by YouLend GmbH. Stripe Technology Europe Limited acts as an intermediary and technology provider. Stripe Technology Europe holds a license for loan brokerage pursuant to Sect. 34c para. 1 sentence. 1 no. 2 of the German Trade Ordinance. Competent Supervisory Authority: Industrie- und Handelskammer für München und Oberbayern, 80333 München. <https://www.ihk-muenchen.de/de/>

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. Financing offers might require additional documentation.

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Squarespace Capital FAQ