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A comment on Stripe Capital. Parent comment

Re:Stripe Capital by a13n on Thursday September 05, 2019 @03:11PM (#20889829)
I think if you can make your model work with a competitive APR then you'll take over the world. At 20% APR I would guess it's just not worth it for the majority of businesses (ourselves included).
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Re:Stripe Capital by sudhirj on Friday September 06, 2019 @04:06AM (#20893890)
It’s a 20% APR only if you’re paying it back really quickly - and if you’re generating so much revenue that you’re going to pay it back quickly why would you need the money at all?

For businesses that expect a slow payback, the APR isn’t nearly that much.

I’d use it to reserve EC2 instances, for example. I get a 40% cost reduction on AWS over 3 years, and I’d expect to take that long to pay back the capital. The APR would be fine in that case, and I make 20% more than I would otherwise.

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Re:Stripe Capital by aeorgnoieang on Friday September 06, 2019 @01:20PM (#20897598)
> I’d use it to reserve EC2 instances, for example.

That's a great idea!

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