Pixieset Capital gives you fast, flexible access to business financing—so you can invest in your photography or creative business when it matters most. Funds are deposited directly into your bank account as a payout, and the loan is automatically paid through a percentage of your incoming Pixieset Payments. This program is powered by Stripe and available through Studio Manager for eligible users.
Note: Pixieset Capital is available to eligible Pixieset Payments users in the United States. Eligibility is determined by Stripe, and offers will only be shown to eligible users.
On this page:
How to apply
Pixieset Capital is powered by Stripe, who handle your application, approval, and repayment. If you become eligible for funding, you'll see a new Capital section in your Dashboard under Payments > Capital. You may also see a banner promoting your offer in Studio Manager > Settings > Payments.
Click the offer to view your loan details, including:
- Loan amount
- Minimum payment amount per period
- Expected loan term
- Fixed fee
- Payment rate and total amount owed
You’ll be asked to confirm a few personal or business details before submitting your application. For some offers, Stripe may request additional documentation for verification purposes.
You can track the status of your application anytime under Payments > Capital. If your application is approved, funds are typically deposited into your connected bank account within 1–2 business days.
Note: Eligibility is determined by Stripe based on your processing history. Both your eligibility and offer amount are subject to change. You won’t see an offer appear unless you are determined to be eligible by Stripe.
Paying back your loan
Stripe deducts a small percentage of each incoming Pixieset Payment until the loan is paid off. Payment is collected automatically through a percentage of your Pixieset sales as they’re processed, which means you pay more towards your financing when business is busy and less if things slow down.
From Payments > Capital, you can review the status of your loan, its details and transaction history. You can make additional payments or pay the full amount at any time by clicking Make payment. Funds will be pulled from your connected bank account.
Frequently asked questions (FAQ)
- Are there fees?
- How long does it take to receive funds?
- How can I become eligible for a loan?
- Can I qualify for more loans in the future?
- What is a minimum payment?
- How do I make my minimum payment?
- Can I pay early or make extra payments?
- Who is the loan from—Pixieset or Stripe?
- Will this affect my credit score?
Are there fees?
Yes, there is a one-time flat fee added to your total loan amount. You’ll see this fee clearly listed in your offer before accepting. The fee is paid over time as part of your payments—it’s not charged upfront.
How long does it take to receive funds?
The application process typically takes 1-3 business days. If your application is approved, funds are typically deposited into your connected bank account within 1–2 business days.
How can I become eligible for a loan?
Eligibility for offers is based on your ongoing payment volume and history. If you become eligible for a loan, you’ll see the Capital section appear under the Payments tab or find an offer in Settings > Payments. You won’t see an offer appear unless you are determined to be eligible by Stripe.
Can I qualify for more loans in the future?
Yes! If you previously received a loan from Stripe directly, you may become eligible for future loans through Pixieset, as Stripe will consider your payment history on both platforms. Once you have paid off a loan, you can track the history in Payments > Capital. If you become eligible for a new loan, you’ll see a notification at the top of this screen.
What is a minimum payment?
For Stripe Capital loans, a minimum payment is the minimum amount that you’re expected to pay every payment period. That period will be determined during underwriting and based on the total term of your loan offer. If your automatic payments do not meet this minimum, you’ll be required to pay the remaining amount at the end of the period. You can view your minimum payment amount in the Dashboard or in your loan agreement.
How do I make my minimum payment?
For Stripe Capital loans, if your payments deducted from sales cover the minimum payment requirement for the payment period, no action will be taken. If you have not met the minimum payment amount by the end of the payment period, Stripe will automatically debit your bank account or account balance the balance needed to meet your minimum payment. There’s no action needed on your part.
Can I pay early or make extra payments?
Yes! You can make additional payments or pay the full amount anytime from the Capital tab in your Dashboard. Funds will be pulled from your connected bank account.
Who is the loan from—Pixieset or Stripe?
While Pixieset facilitates access, all loans are provided and serviced by Stripe. They handle underwriting, approval, funding, and repayment.
Will this affect my credit score?
No. Your loan does not impact your personal credit score.
If you have questions about Pixieset Capital, our support team is here to help. From your Studio Manager Dashboard, get in touch by clicking the chat bubble in the bottom right corner. We will help get in touch with Stripe as needed.