How To Get Financing For Your Small Business—With Dubsado Payments Capital
Running a business is no small feat. From onboarding new clients to planning your next big vision to scale, you're constantly juggling today’s tasks with tomorrow’s goals. But what happens when cash flow doesn’t match your ambition?
Starting or expanding a service-based business requires more than just expertise and passion—it often requires strategic investments in tools, education, marketing, and outsourcing. Whether you're a freelancer, consultant, or entrepreneur, securing the right financing is crucial to propel your business forward.
That’s why as your partner for long-term growth, we’re introducing something new through our partnership with Stripe: Dubsado Payments Capital — fast, flexible financing built right into your business tools.
But before we dive into how it works, let’s talk about why finding the right kind of financing for your small business can feel so overwhelming—and how Dubsado Payments Capital compares to other popular options.
Why access to capital is a common roadblock
Even thriving businesses can hit moments where growth is outpaced by cash flow. For solo and service-based businesses—that complexity alone is enough to put funding plans on hold.
But it doesn’t have to be that way.
What to consider when evaluating business financing options
Not all business funding is created equal. Whether you're just starting to explore financing or comparing a few options, it's important to look beyond the headline numbers. Here are five key factors to consider when evaluating what's right for your business:
💰 Total cost of capital
One of the most important questions to ask is: How much is this funding really going to cost me?
Traditional loans often come with interest that compounds over time, plus potential late fees or hidden charges. This can make it hard to predict your final repayment total.
With Dubsado Payments Capital, there’s no interest and no surprises—just a one-time flat fee clearly outlined up front. You know exactly what you’re repaying, from day one.
📝 Application process
Let’s be honest—most traditional business loans require a lot of paperwork and headaches. Between tax returns, bank statements, and waiting on approvals, the process can take weeks.
Dubsado Payments Capital skips the paperwork entirely. If you're eligible, you’ll receive an email offer to apply automatically.
🔁 Payment flexibility
Traditional loans come with fixed monthly payments that don’t always match the ebb and flow of a creative small business owner’s income—especially tough for seasonal businesses or solo service providers.
Dubsado Payments Capital uses a pay-as-you-earn model. A percentage of your Dubsado Payments sales is automatically applied toward payment*.
⚡ Speed of funding
Timing matters—especially when opportunity strikes. Traditional financing can take days or even weeks to be approved and funded.
With Dubsado Payments Capital, funds are typically deposited within 2 business days of accepting your offer, if you’re approved. That means you can move quickly when the moment’s right.
✅ Bottom line:
Choosing the right funding is about more than just getting approved—it’s about choosing an option that works with your business, not against it.
Dubsado Payments Capital offers a modern alternative for service-based entrepreneurs looking for fast, flexible, and transparent financing that grows with them.
Now that you know what to look for, here’s how Dubsado Payments Capital stacks up against other common financing options:
Each solution has its place—but many small businesses need a simpler way to access capital without complicated terms or unpredictable interest. That’s why we’ve partnered with Stripe to make Dubsado Payments Capital available.
How Dubsado Payments Capital works
Check your inbox — If you’re eligible, Stripe will email you with your personalized offer.
Review and select your option — Choose the amount that fits your goals. You’ll see the total cost upfront, including a flat fee and payment rate.
Receive your funds — If you’re approved, funds are typically deposited in as little as 1–2 business days.
Pay automatically — Payment is collected automatically through a percentage of your sales as they are processed*
Real-world use cases: How capital can help you grow
This isn’t just about covering shortfalls—it’s about saying yes to the right opportunities at the right time.
Here are just a few ways business owners are putting capital to work:
Hiring a new team member
Investing in brand photography, website design, copywriting—or even a Dubsado setup by a Certified Specialist 😉
Joining a coaching program or mastermind
Launching a new service, product, or entirely new arm to your business
Upgrading tools, equipment, or office decor
Bridging the gap between invoices or seasonal dips
Whether you’re expanding or stabilizing, capital is a way to make decisions with confidence—not pressure.
Who’s eligible—and how to improve your chances
Eligibility is based on your business’s payment activity through Dubsado Payments, powered by Stripe.
You can’t apply manually—but you can increase your chances of receiving an offer by:
Switching from PayPal or Square to Dubsado Payments powered by Stripe
Processing more transactions directly through Dubsado Payments
Using Dubsado Payments consistently, not just for high-ticket clients
And if you’re eligible? You’ll be notified automatically via email by Stripe with your personalized offer to apply. No forms. No guesswork.
Not ready when you qualify? No problem. Eligibility is re-evaluated every 30 days based on your Dubsado Payments activity.
Already used Dubsado Payments Capital? Once your financing is paid, you'll be re-evaluated for future funding opportunities.
Why we’re offering Dubsado Payments Capital—and what it means for the bigger picture
Dubsado has always been about helping business owners streamline, scale, and show up professionally. With the launch of Dubsado Payments Capital, we’re expanding that support—not just with systems, but with the resources, support, and tools to help you succeed at doing what you love.
When you choose Dubsado Payments, you’re not just simplifying how you get paid—you’re unlocking access to features that grow with you. From faster funding to client-friendly payment options like Buy Now, Pay Later powered by Affirm and Klarna and seamlessly accepting in-person payments with Tap to Pay—we’re building a future where running your business feels easier, more empowering, and built for real life.
If you’ve ever felt stuck between what you want to do in your business and what your bank balance will allow—you’re not alone. We created Dubsado Payments Capital to bridge that gap.
This is funding that fits your flow. And we’ll be here to support you every step of the way.
Learn more about how Dubsado Payments Capital works—and how to increase your eligibility here.
Dubsado Capital offers financing types that include loans and merchant cash advances. All financing requests are subject to a final review prior to approval. Dubsado Capital loans are issued by Celtic Bank, powered by Stripe. Dubsado Capital merchant cash advances are provided by YouLend.Loans are issued by Celtic Bank and powered by Stripe. All loans are subject to credit approval.
*Dubsado Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn’t meet the minimum your account will be automatically debited the remaining amount at the end of the period. If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process
