I didn't realize Stripe had branched out into usurious lending (I clock this at about an 11% annual interest rate based on the repayment period)pic.twitter.com/2vXFs8lxT9
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Why would you expect unsatisfied business owners to use the rate in the first place? Of course the reported satisfaction level will be high when unsatisfied people don't take up the offer. You understand selection effects.
Yes; see other tweet. If a business has better options, they should pursue those — we aren’t trying to create a product that all seek to use. This exists because businesses consistently report substantial capital constraints (and credit cards are far from being a panacea).
If a business has cheaper/lower-risk access to capital, they should certainly pursue that. Point is: many don’t.
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