Get Access to Fast Funding For Your Business with AR Capital
Quick access to funds to help grow your business–without the hassle of traditional loans with AR Capital.
From Startup to Scale, We’re Built for Every Stage.
See how Aesthetic Record powers your next move.
Pay as you earn for stress-free financing* with AR Capital. you automatically pay the loan or merchant cash advance with a fixed percentage of your daily sales until the total amount is paid.
How it Works:
Simplified Application Process
Apply in a few clicks from your AR dashboard! Eligibility is based on factors like your payment volume and history on Aesthetic Record.
Get Funds Quickly
If you’re approved, receive your funds in as little as one to two business days directly into your linked account.
Use Funds to Support Your Business’s Growth
Invest Where It Matters Most
Whether that’s purchasing equipment or new inventory, investing in marketing, or managing cash flow, AR Capital gives you the financial support to grow.
Tailored Solutions For Your Business
Funding offers are based on your business’s performance data, providing personalized offers to meet your specific business needs.
Customize the Size of Your Financing
Customize the size of your financing offer based on your business needs. You’ll only pay the cost of your financing plus one flat fee that never changes. There are no compounding interest changes or late fees.
Frequently Asked Questions
How does payment work?
Payment is collected automatically by AR Capital through a percentage of your sales as they are processed. AR 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.
After I accept an offer, how quickly will I get my funds from AR Capital?
If your application is approved, you’ll see the funds from AR Capital in your bank account typically in as soon as 2 business days. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method. This needs to be done through Stripe.
Can I have my AR Capital funds paid out to a card?
Stripe currently does not support the disbursal of funds to a card. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method on Stripe.
What happens when my AR Capital offer expires?
Each AR Capital offer is available for 30 days. After that point, your business will automatically be re-evaluated by AR Capital to see if you are eligible for an additional offer.
Can I pay my financing early?
Yes, you can make additional payments or pay the total amount owed to AR Capital in full at any point by clicking the Make Payment button in your AR Capital dashboard. There are no additional fees for early payment.
Will paying early qualify me for a new offer from AR Capital?
Once you pay the total amount owed, you’ll automatically be evaluated for a new offer by AR Capital. Paying early does not automatically qualify you for a new offer.
How should I report these funds on my taxes?
Tax reporting is often dependent on your specific situation, so we encourage you to talk with a tax advisor to ensure appropriate accounting. In general, AR Capital funds would not be considered taxable income at the time of receipt and the amounts withheld to satisfy your obligations are not tax deductible.
Who can I contact to learn more about the AR Capital program?
If you have additional questions about how the financing program through AR Capital works, you can contact our Stripe partners directly at capital-support@stripe.com