Overview

Access to capital is essential for growing your business, but traditional banks don’t make it easy. Cut the red tape and lengthy application process—Jobber Capital offers flexible financing based on your business history, so you can get the funds you need without the hassle.

Jobber Capital partners with Parafin and Stripe to assess eligibility for loan offers. These partners use business data—such as your payment processing history and revenue trends—to determine if your business qualifies. If you’re eligible, you’ll receive a notification by email and directly within your Jobber account.

How Jobber Capital works

1. Receive an Offer
If you qualify for a loan, you’ll receive a notification by email and on your Jobber home page with your personalized offer.

2. Review and Accept Your Loan
You can view the loan details—including the amount, type, and payment terms—within Jobber. If you’re interested, complete the application process to accept the offer.

From Home, select the View offer button. 

3. Get Funded Quickly
Once approved, the funds will be deposited into your linked bank account within 1–2 business days.

4. Pay Automatically
Payment is automatic and depends on the type of financing you choose:

  • Parafin Repayment
    • Term loans
      • These loans follow a fixed repayment schedule with set due dates.
      • Payments are a fixed amount, deducted bi-weekly from your bank account.
    • Flex loans
      • Repayment is based on a fixed percentage of sales rather than a set amount, with the percentage determined by the selected offer amount.
      • Repayments are automatically withdrawn from your connected bank account as sales are processed.
      • The percentage stays the same, but the total amount fluctuates based on your sales volume.
  • Stripe Capital Payment
    • Payment is based on a fixed percentage of your daily Jobber Payments processing volume (including payments and tips).
    • The amount is automatically deducted from your payouts, so you’ll pay more when business is strong and less when sales are slower.
    • Payment happens continuously based on daily transactions.

5. Manage Your Financing 
You can track your active loans and repayment progress anytime within Jobber. To view your loan, navigate to Home, then select View details from the Jobber Capital card.

This is where you will see your up-to-date financing status including your financing amount, outstanding balance, and a history of payments made towards your financing.

Get support with Jobber Capital

For more details on Jobber Capital, including eligibility, financing terms, and payment options, check out the help resources provided by our lending partners. Since financing offers, terms, and requirements may change based on product and regulatory updates, we recommend referring to their most up-to-date documentation which is linked below.

Parafin

Parafin has put together a help center with the articles you’ll need to get started with Parafin and Jobber Capital. Explore a full range of support articles covering loan eligibility, repayment details, and more.

Parafin Help Center

For support with your loan, loan offers, or repayment please reach out to Parafin:

Stripe Capital

Get an overview of how Stripe Capital financing works, including payment details.

How Stripe Capital Works

For support with your financing, offers, or payment, please reach out to Stripe:

Frequently asked questions

How can I qualify for financing?

To be eligible for an offer, your business must have been using Jobber for at least 3 months and have Jobber Payments enabled. Regularly processing payments through Jobber and maintaining a strong revenue history can improve your chances of receiving an offer.

How often do new offers appear?

Offers are updated periodically based on your business’s performance. If you don’t see an offer now, continue processing payments through Jobber, and you may qualify in the future.

Can I pay my financing early?

Yes! You can make extra payments or pay off your financing in full at any time without any penalties through the Jobber Capital dashboard.

Disclosure

Jobber Capital loans are issued by Celtic Bank and provided in partnership with Stripe or Parafin.

Stripe: Jobber Capital offers financing types that include loans and merchant cash advances. All financing requests are subject to a final review prior to approval. Jobber Capital loans are issued by Celtic Bank, powered by Stripe. Jobber Capital merchant cash advances are provided by YouLend.

Jobber Capital loans have a minimum payment amount due each repayment period, and if the minimum amount that you repay 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 sales when you meet the fixed payment amount. The repayment terms for your offer will be detailed during the application process.

Parafin: All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review. Parafin merchant cash offers and advances are provided by Parafin and governed by Parafin’s Terms of Service and Privacy Policy. Merchant cash offers and advances and bank transfers are subject to review and may be rescinded. Merchant cash offers and advances are not extensions of credit or loans and they may not be used for personal, family, or household purposes.