earn

Unlock low-cost and
efficient capital

Use our innovative beta offering to earn 3.00% on your idle cash and reduce your cost of capital*

Get started

Earn 3.00% on your idle cash*

Feel confident that your idle cash is bringing you the highest return anywhere on the market.

Capital is secure and available daily

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1

Backed by Capchase equity
Rest easy knowing you will get back the same amount that you funded, plus any returns earned.

2

Access at any time
With no minimum lockup period, your funds are always accessible to you at any time.

3

No fees, ever
Feel confident that you will not be charged any fees, ever.

Unlock low-cost capital in3 steps

1

Add your funds

Park your idle cash and earn 3.00% returns.*

2

Calculate your net cost of capital

Offset your cost of capital through your earnings.

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3

Fuel growth with low-cost, efficient capital

Combine Capchase Earn and Capchase Grow to unlock growth capital at a low price and increase your runway.

Capchase Earn gives us the flexibility to make our original revenue financing capital a little bit cheaper which is a big benefit for us. It means we can extend our runway that little bit longer.

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Utku Zihnioglu
CEO Webshare
Utku Zihnioglu
CEO Webshare

Capchase Earn gives us the flexibility to make our original revenue financing capital a little bit cheaper which is a big benefit for us. It means we can extend our runway that little bit longer.

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Customer Stories

1,000+ customers are using Capchase to fuel their growth. Come get inspired.

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FAQs

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How much can I earn?

Capchase will apply a monthly payment to your Capchase Earn account based on the average daily balance of your account at an effective annualized rate of 3.00%.

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When am I paid my earnings?

Earnings are paid on the 1st day of every month to your Capchase Earn account.

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Is Capchase secure in the EU?

When customers open a Capchase Earn account, Capchase is contractually obligated to return the same amount that was funded plus any earnings generated.

In order to pay our customers monthly earnings and to meet withdrawal requests on a timely basis, Capchase applies strong liquidity management practices to insure your funds are available upon request on a daily basis. Once a request is made to withdraw funds, we will process the transaction immediately and aim to transfer the funds to your bank account of choice within 1-3 business days.

Additionally, Capchase accounts are subject to stringent criteria backed by our own balance sheet and all Earn accounts are backed by Capchase equity.

Please note: as with most products of this nature, Capchase may use proceeds from the accounts to fund financing products that we offer in the normal course of business. The account is not a bank account nor a brokerage account, and is not subject to FDIC, SIPC, or other similar protections. This is not a risk-free product.

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Do I have to already be using your Grow product to be eligible?

While you can open the Earn account standalone, we strongly recommend you consider how the Earn account works in tandem with other Capchase financing products, especially with Capchase Grow.

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How are my earnings calculated?

Capchase will apply a monthly payment to your Capchase Earn account based on the average daily balance of your account at an effective annualized rate of 3.00%.

Each day, you will accrue a portion of those earnings equally over the days in the calendar year. Each month, you will receive a payout to your Capchase account based on the number of days in that month. As an example, if you fund an Earn account with $1,000,000.00 for 12 months, you will receive a total of $30,000.00 by the end of a 12 month period.

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How quickly can I withdraw a portion or all of my balance?

You can access 100% of your funds on a daily basis and can initiate a request to withdraw at any time.
When you initiate a withdraw, your request will be processed as soon as it is received. Typically, funds transfers take between 1-3 business days due to processing via payment networks and banking systems.
Any requests coming in after 5 PM ET may be processed the following business day.
To ensure your funds have successfully processed and settled in your Capchase Earn account, you can withdraw the latest amount deposited after at least 7 calendar days after the funds were deposited.
If you require funds right away for an emergency, please reach out to us as soon as possible, so that we can initiate a wire transfer for expedited transfer.

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Is there a minimum lockup period?

No, there is no minimum lock-up period. You have access to 100% of your funds on a daily basis.

When you initiate a withdraw, your request will be processed as soon as it is received. Typically, funds transfers take between 1-3 business days due to processing via payment networks and banking systems.

Any requests coming in after 5 PM ET may be processed the following business day.

To ensure your funds have successfully processed and settled in your Capchase Earn account, you can withdraw the latest amount deposited after at least 7 calendar days after the funds were deposited.

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What countries do you support?

In Europe the product is currently available in UK & Spain only.

Have a different question?
Contact us

Let your idle cash work for you

* Capchase will apply a monthly payment to your Capchase Earn account based on the average daily balance of your account at an effective annualized rate of 3.00%. The payment is not bank interest and is not an annual percentage yield. Capchase Earn payments can be discontinued, restricted, or modified at any time.