This can do with even simpler phrasing - Stripe carries the risk of the business underperforming in exchange for the business carrying the “risk” of over perfor

This can do with even simpler phrasing - Stripe carries the risk of the business underperforming in exchange for the business carrying the “risk” of over performing. In a regular loan, the bank makes you bend over backwards to prove you’re risk free, and then charges you interest to give you the loan anyway, and you’re on the hook to pay back a constant amount whether you’re under or over performing, at risk of going bankrupt.