FedEx and Stripe plan to use your shipping activity to help judge small business funding requests, with a first product due in early 2027.
FedEx and Stripe say they will team up so that a business's shipping activity can help it qualify for funding. The idea is that Stripe Capital, Stripe's financing offering, would look at real-time FedEx data, such as how many packages a company ships each week, when reviewing a funding request. The first joint product is planned for early 2027.
FedEx Dataworks and Stripe announced a collaboration to connect shipping data with financial services. The companies say that traditional lenders often lean on older measures like bank statements and credit scores. Those measures can miss things like shipment activity and how well a business fulfills orders.
Stripe co-founder and president John Collison gave an example. A small business shipping a thousand packages a week could turn that momentum into access to growth financing through Stripe Capital. The companies say the goal is faster, smoother review of funding requests.
The deal also covers payments. FedEx plans to add Stripe as a payment option. That would bring more than 50 new payment methods to FedEx customers worldwide. The companies say more choices at checkout can mean fewer abandoned purchases and happier customers.
The financing side is aimed at small and midsize businesses that ship a lot, such as online sellers and other logistics-heavy companies. If your daily operations are strong but your credit history is thin or dated, this approach could eventually give you another way to show you are a good bet.
Many details are missing. The companies have not said how much funding would be offered, what it would cost, or who would qualify. They have not said whether credit scores would still matter, or which countries would get the financing first. It is also unclear how businesses would share their FedEx data.
The announcement does point to a few practical questions for owners. They may need to think about how new financing fits their current finances. Switching payment options could also mean updates to their systems or staff training, which could carry costs.
The first joint solution is expected in early 2027. Businesses that ship heavily can watch for details from FedEx and Stripe before then, especially on terms and eligibility.
If you ship a lot, watch for details on this FedEx and Stripe financing in early 2027, especially cost and who qualifies.
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