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A comment on Stripe Capital. Parent comment

Re:Stripe Capital by jakelazaroff on Thursday September 05, 2019 @02:03PM (#20889291)
Isn't this inherent in a fixed fee, though? The faster you pay it off, the higher your effective APR will be. Whereas with a traditional loan your APR is fixed, but you end up owing more money the longer you take to repay it.

Seems to me like they're targeting businesses that do not meet your assumption of high sales volume.

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Re:Stripe Capital by buildawesome on Thursday September 05, 2019 @11:08PM (#20892686)
They're not not targeting higher sales volumed merchants. It just happens that more lower volume merchants use working capital advances to boost their free cash flow or invest it into something that will net more profit even at the cost of a discount rate.
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