Capital is RentalTide's working-capital advance product. Eligible operators can request up to $10,000 against their last 12 weeks of Stripe processing volume, receive funds directly into their connected Stripe account, and repay over 12 weekly installments with auto-collection. Pay off any time without penalty.
Capital is a business-purpose advance, not a consumer loan. It is offered only in markets where we hold a same-currency platform balance: USD, CAD, and AUD. Other currencies are not supported.
Where to find it
Capital lives in the sidebar under the Financial product group at /capital. The same group contains Payments, General Ledger, and Accounts Receivable.
When an advance is active or pending, a banner appears on the Home dashboard directly below the changelog so the status is visible at a glance.
Eligibility
To qualify for a Capital advance, your connected Stripe account must have processed at least $10,000 in the last 12 weeks across your locations.
Eligibility is computed automatically by reading your Stripe charges with a created filter for the trailing 84 days. We cache the result for 24 hours to avoid hammering Stripe; click the refresh icon on the Capital page to force a fresh computation.
Offer tiering
Your maximum offer scales with your processing history:
| Trailing 12-week processed | Max advance |
|---|---|
| $10,000 – $24,999 | $2,500 |
| $25,000 – $49,999 | $5,000 |
| $50,000+ | $10,000 |
Currency
The currency of your advance is set automatically based on your connected Stripe account's default_currency. If your account settles in a currency we don't yet support (anything other than USD/CAD/AUD), the eligibility check shows a friendly "not yet available in your currency" message.
Pricing
| Term | Value |
|---|---|
| APR | 8.99% |
| Term | 12 weekly installments |
| Origination fee | None |
| Prepayment penalty | None |
The weekly payment is calculated as a standard amortizing-loan payment. For a $5,000 advance at 8.99% APR over 12 weeks the weekly amount is approximately $420.92, with the early weeks weighted toward interest and the later weeks toward principal.
The Capital page shows a live quote as you move the amount slider, including:
- Weekly payment amount
- Total interest you'll pay over the term
- Total repayment amount
- A 4-week schedule preview before the terms modal
Applying for an advance
- Navigate to Financial → Capital in the sidebar.
- If eligible, the page shows your maximum offer at the top.
- Use the slider to choose any amount from $100 up to your offer.
- Review the live quote in Your repayment plan.
- Click Review terms & accept advance.
- Read the terms in the modal, check both authorization boxes, and click Accept and receive.
The terms modal requires two explicit acknowledgements: that you've read the terms, and that you authorize RentalTide to debit your Stripe balance weekly. Both checkboxes must be ticked before the accept button enables.
The legal text is published at rentaltide.com/legal/capital-terms and the version you accepted is recorded on the advance for audit.
Disbursement
When you accept terms, RentalTide initiates a Stripe transfer from its platform balance directly to your connected Stripe account in your settlement currency. Funds arrive in your Stripe balance within 1 business day under normal conditions, subject to Stripe's standard payout timing.
You'll receive the exact amount you selected in your local currency. If your account is in CAD and you picked 5,000, you receive CA$5,000 (RentalTide's USD platform balance handles FX automatically).
Pending funding
If RentalTide's platform balance is temporarily insufficient to cover your advance, the advance is marked pending_funding and our finance team is alerted in Slack. The advance is disbursed within 3 business days at the latest. You can cancel a pending-funding advance at any time before disbursement at no cost.
Repayment
Once disbursed, weekly auto-debits begin 7 days after disbursement and continue for 12 weeks.
How collection works
Each week, RentalTide reverses a portion of the original disbursement transfer. Reversing the original transfer is supported across borders (Stripe blocks direct cross-country debits, but reversals work because they undo an existing transaction rather than create a new debit).
- Principal portion is collected by reversing the original disbursement transfer.
- Interest portion accrues to your location's
outstanding_duesand is automatically skimmed off your next customer charges as a small bump to the application fee. The bump is capped at 10% of any individual charge so it's never noticeable on a single transaction.
What you'll see
The active-advance dashboard shows:
- Outstanding balance (principal remaining — this is also your early-payoff amount)
- Available Stripe balance (live read from Stripe)
- Future interest you'd skip if you paid off today
- Repayment schedule with one row per week (scheduled / paid / failed / skipped)
- Payment breakdown chart — a stacked bar chart showing principal vs. interest by week, mortgage-style
- Activity & accounting — chronological audit log including disbursement transfer ID, every weekly reversal ID, and your connect account ID, all with one-click copy
Failed collections
If your Stripe balance is insufficient on any scheduled debit date, the cron retries the next business day and posts an alert to our internal Slack channel. You'll see a failed row in the schedule with the reason.
Persistent collection failures (no successful debit for 14+ days) move the advance into defaulted status and may result in account suspension and acceleration of the outstanding balance per the Capital Terms.
Early payoff
You can pay off the entire principal at any time with no penalty.
- On the Pay off early card, click Pay off in full.
- Confirm the amount and click Pay in the dialog.
- RentalTide reverses the principal portion of the original disbursement transfer immediately. The advance closes, and all remaining scheduled weekly debits are cancelled.
Any unpaid interest accrued up to the payoff date stays in your outstanding_dues recovery pool and skims from your next charges as normal.
The "Future interest you'd skip" stat shows exactly how much interest you save by paying off today versus letting the schedule run.
Constraints
- Early payoff requires your Stripe balance to cover the full outstanding principal. The button is disabled until your balance is sufficient.
- Partial early payments are not currently supported via the UI; the cron will continue collecting on schedule.
Cancellation
You can cancel an advance only while it's in pending_funding status. Once disbursed, the advance can be settled only by full repayment via the schedule or early payoff.
Internal alerts
RentalTide finance is notified in the #capital Slack channel for every meaningful event:
| Event | Alert |
|---|---|
| Advance disbursed | New advance with amount, customer, transfer ID |
| Pending funding | Platform balance insufficient — manual backfill needed |
| Weekly principal collected | Reversal succeeded, interest accrued |
| Weekly collection failed | Insufficient connect balance — retrying tomorrow |
| Early payoff (full) | Final reversal succeeded |
| Early payoff (partial) | Reversal amount, principal remaining |
| Early payoff failed | Stripe error code and message |
| Advance fully repaid | Advance closed, total interest collected |
Status reference
| Status | Meaning |
|---|---|
pending_funding | Accepted by merchant, waiting for platform-balance backfill |
active | Funds disbursed, weekly schedule running |
completed | Principal fully repaid (on schedule or early) |
defaulted | Persistent failed collections — escalated |
cancelled | Cancelled before disbursement; no funds moved |
Frequently asked questions
How much will my weekly payment be?
It depends on the amount you take. The Capital page shows a live quote as you adjust the slider — the weekly payment, total interest, and total repayment all update in real time.
Can I take more than one advance at a time?
No. Only one active or pending advance is allowed per customer. Subsequent advances can be requested only after the prior advance is fully repaid.
What if I close my Stripe account during the term?
Closing or revoking access to the connected Stripe account before the advance is repaid in full constitutes a default. The full outstanding balance becomes immediately due.
Why is my available offer different from another merchant's?
Offer amounts scale with your trailing 12-week processed volume. A merchant with $50,000+ in processing qualifies for the full $10,000 ceiling; a merchant just over the $10,000 threshold qualifies for $2,500.
Will repayments show up in my Stripe dashboard?
Yes. Each weekly principal reversal appears in your Stripe transfers list with the description "RentalTide Capital principal repayment". Interest collected on the application fee shows up in your normal payment-fee breakdown.
Is this regulated as a loan?
Capital is structured as a business-purpose advance and is offered only in jurisdictions where it is not regulated as consumer credit. Read the full terms at rentaltide.com/legal/capital-terms.