> My company grossed $45,600 MRR this August. I love Stripe and swear by it, but I don't really understand why someone in my position would want this offer. The

> My company grossed $45,600 MRR this August. I love Stripe and swear by it, but I don't really understand why someone in my position would want this offer. The highest amount represents only about 17 days of revenue. You offer a service I guess (the fact that you say MRR pretty much confirm this already)? This isn't for your kind of business, this is for the one that directly spends theses revenues once they are gained and could profit from economy of scale. Essentially this is for a shop that could save a bit by making bigger order and keeping an inventory. Let say that you make in average 50k, but you spend 90% of that in operating cost... now making the same 25k would takes 5 months, not so good. Now let say that 50% of that cost is in buying the item you sell and that by buying a full month of that item instead of a few day at a time would give you a discount of 20%, that would means that after 2 months you would have paid back that fee and after 6.5 months your sales would all go back to you. A loan could do the same, but even in a bad month, you will still have the same amount to pay back... which can hurt quite a bit a company.