[countryqt30]

In the EU you can get credit for 1% and less at any German/UK/French/... bank. Do you really want to pay 10-30% instead at Stripe?

[hobofan]

Banks don't offer a suitable alternative. As a SMB, applying for a loan takes ages in comes with a boatload of paperwork. Same as in the US, where you can probably also can get better terms with a traditional bank.