I actually assumed Stripe had a bank license/charter (a quick Google search after your comment suggests they do not). >Usury laws typically apply to consumers,

I actually assumed Stripe had a bank license/charter (a quick Google search after your comment suggests they do not). >Usury laws typically apply to consumers, not loans to businesses. That may be a fair characterization, but its definitely a jurisdictional issue state to state. I know some States for sure exempt commercial loans, others exempt loans over certain amounts, and some exempt loans to certain businesses by industry (but not a outright exemption on commercial loans). Obviously Stripe has a good public image, but unfortunately with SV unicorns like Uber, AirBnB, CoinBase (almost any cryptocoin/blockchain start up), its not unfair to say we should just assume business practice comply with the law.