Vice Partners places its own working capital behind established Stripe merchants. We buy the media, build the funnels, and carry the downside — you keep the account, the ownership, and a fixed share of everything it processes. Other major processors are supported case by case.
Four stages, roughly seven business days. Nothing is provisioned before underwriting clears, and nothing is charged to you at any point.
Our risk desk reads the Stripe account before anyone talks commercials — twelve months of balance transactions, dispute and refund ratios, any reserve or payout hold on the account, and the registered entity behind it. Around one application in six clears. The rejection rate is the product.
You add Vice Partners under Settings → Team in your own Stripe Dashboard, on the Analyst role by default. It cannot change your payout bank account, manage team members, or close the account. No password, recovery code, or 2FA token is ever requested or held.
Capital leaves our balance sheet, not yours. Our buyers build creative and funnels around what already converts, Radar rules are tuned before traffic reaches Checkout, and an engineer watches authorisation and dispute rates in your Stripe Dashboard through the entire ramp.
Revenue is reconciled line by line against your own Stripe balance transactions, then split on the figure agreed in writing before deployment. Settlement runs weekly or monthly by your election, over ACH, SEPA, or stablecoin.
You grant it yourself from Settings → Team and security in your own Stripe Dashboard, and you can remove it from the same screen without telling us. Analyst is the default; Developer is requested only where an integration needs it, and then against restricted API keys scoped to the endpoints in the agreement.
◆Role capabilities follow Stripe's own permission model, which Stripe may change. Whatever it allows, the commercial agreement binds us to the scope above — and you can verify every action we take in the account's audit log.
Move the slider to your current monthly Stripe volume. The figures below are illustrative of the structure, not a quote — your actual split is set at underwriting.
◆Assumes a 30% net margin and a 20% partner share — the midpoint of our range. Both are set per agreement at underwriting and quoted in writing before anything is provisioned.
Five questions, answered against the same box our risk desk uses. It runs entirely in your browser — nothing is sent to us until you choose to apply.
◆This mirrors our published minimums and is not a decision. A real file is read by a person, and the account's history can still change the answer either way.
Nothing here would stop us reading the file properly.
Every option below is legitimate. They differ in one thing: who is holding the bag when a quarter goes badly.
| Vice | Business loan | Revenue-based finance | Growth agency | |
|---|---|---|---|---|
| Who funds the media | Vice, from its own balance sheet | You, from the borrowed principal | You, from the advance | You, on top of the retainer |
| Who carries the downside | Vice — including chargebacks on traffic we send | You | You | You |
| Cost if it does not work | Nothing. We are paid from profit or not at all | Principal plus interest, still owed | The advance, repaid from future revenue | Retainer already spent |
| Personal guarantee | None | Usually required | Sometimes required | N/A |
| Access to your Stripe account | Analyst seat you grant and revoke yourself | None | Read-only reporting link | Often full admin |
| Lock-in | 90 days, then month to month | Term of the loan | Until repaid | Contract term |
| Speed to first capital | About seven business days | Weeks to months | Days to weeks | Immediate, but it is your money |
Nine people in Davie, Florida. Every partnership is read by one of these three before it is countersigned.
Sets the underwriting box and signs every agreement. Twelve years in acquiring and merchant risk before Vice.
Runs deployment and the media desk. Decides what gets funded, how hard, and when to pull a ramp.
Owns the access model, fraud screening, and reconciliation. Reviews every integration before it goes live.
The seat we issued could be pulled from our own dashboard in one click. That is the only reason the board approved it.
They turned down our first application and told us exactly why. We fixed it over two quarters and came back.
Four operators pitched us projections. Vice opened with the downside and how they carry it.
Every category below runs on Stripe. If the account has volume behind it and the entity behind it is real, there is something to assess.
Shopify, Woo, or bespoke storefronts settling through Stripe with steady order flow and a clean fulfilment record.
Subscription products on Stripe Billing with legible MRR, low involuntary churn, and retention curves that flatten.
Courses, licences, and downloads sold through Checkout or Payment Links with real completion rates.
Memberships and cohorts with an audience that predates the offer, billed through Stripe or a comparable processor.
Retainer or project firms invoicing through Stripe with client concentration inside sensible limits.
Platforms running Stripe Connect where the underlying flow of funds is legible to our desk.
Not as posture. A weak account in the book raises the processing risk of every account already in it.
Scope, split, reporting duties, and termination rights are countersigned before anything is provisioned.
We operate inside Stripe's Restricted Businesses list and Services Agreement without exception. Prohibited categories and misrepresented statement descriptors are declined at first read.
A Stripe account with no trading history gives our desk nothing to underwrite. The history is the entire basis of the decision.
KYB and beneficial ownership checks are mandatory. Where the named owner cannot be tied to the entity, the file closes.
We expect the contract marked up and the references called. Anyone who signs without doing that will not hold up when a quarter goes badly.
Every qualified application gets a written answer inside one business day — a decision and the reasoning, not a sales sequence.
We will never ask for your Stripe password, a 2FA code, a secret API key, or a banking credential — not on this form, and not once you are a partner.
Your reference is —
The desk reads every submission by hand — you will have a written answer within one business day.
