{"id":22248,"date":"2024-06-05T20:44:32","date_gmt":"2024-06-05T20:44:32","guid":{"rendered":"https:\/\/synder.com\/help\/?p=22248"},"modified":"2026-07-01T19:12:17","modified_gmt":"2026-07-01T19:12:17","slug":"categorize-stripe-capital-financing-paydowns-loan-repayments","status":"publish","type":"post","link":"https:\/\/synder.com\/help\/categorize-stripe-capital-financing-paydowns-loan-repayments\/","title":{"rendered":"Categorize Stripe Capital Financing Paydowns (Lending Liability)"},"content":{"rendered":"\n<p>If your business takes a <a href=\"https:\/\/docs.stripe.com\/capital\/how-stripe-capital-works\">Stripe Capital loan<\/a>, Synder has you covered. When Stripe deducts a repayment from your payout, Synder syncs it as a <strong>multiline expense<\/strong> called <strong>Financing Paydown<\/strong>. Each synced transaction includes two line items:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Advance amount<\/strong> \u2014 the principal portion being repaid<\/li>\n\n\n\n<li><strong>Premium amount<\/strong> \u2014 the cost of capital (Stripe&#8217;s equivalent of interest)<\/li>\n<\/ul>\n\n\n\n<p>To make sure these transactions land in the right accounts in your books, follow the steps below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 1: Set up the Lending Liability account in Fees settings<\/strong><\/h2>\n\n\n\n<p>Synder has a dedicated <strong>Lending Liability<\/strong> field in your Stripe integration settings. Set it once, and all Financing Paydown transactions will be applied to that account automatically.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to Synder \u2192 <em>Settings<\/em> \u2192 select your Stripe integration.<\/li>\n\n\n\n<li>In the left menu, click the <em>Fees<\/em> tab.<\/li>\n\n\n\n<li>Find the <strong>Lending Liability<\/strong> field and select the account where lending transactions should be applied \u2014 typically a <em>Loan Payable<\/em> or <em>Long Term Liabilities<\/em> account.<\/li>\n\n\n\n<li>Click <em>Update<\/em>.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"800\" src=\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability.png\" alt=\"Lending Liability field in Stripe Fees settings in Synder\" class=\"wp-image-29105\" srcset=\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability.png 1400w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability-300x171.png 300w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability-1024x585.png 1024w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability-768x439.png 768w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability-1080x617.png 1080w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability-60x34.png 60w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/06\/stripe-fees-lending-liability-150x86.png 150w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 2: Record the initial loan in your books manually<\/strong><\/h2>\n\n\n\n<p>When Stripe deposits the advance into your account, Synder does not create a separate transaction for it \u2014 the deposit arrives as part of your regular payout. You need to manually record the initial loan amount in your accounting platform. <strong>Make sure to record it to the same account you selected as the Lending Liability in Step 1<\/strong> \u2014 this way, as Synder syncs each Financing Paydown, your outstanding loan balance decreases in that account and you can track how much is left to pay off.<br>Synder will account for the ongoing repayments (Financing Paydowns), but the initial loan entry must be made manually.<\/p>\n\n\n\n<p><em>Please note, the initial Loan entry as well as paydown should be recorded to the same account to track your loan getting paid off.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 3 (Optional): Split repayment and interest using Smart Rules<\/strong><\/h2>\n\n\n\n<p>If you need to post the <strong>Advance amount<\/strong> and <strong>Premium amount<\/strong> to separate accounts, you can use a Smart Rule template. This gives you full control over how each line item is categorized.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to Synder \u2192 <em>Smart Rules<\/em> menu tab \u2192 <em>Templates.<\/em><br><strong><em>Note<\/em><\/strong>: Start the Rules trial if this is your first time.<\/li>\n\n\n\n<li>Find the template for <em>Categorizing Stripe Capital<\/em> under the <em>Categorize<\/em> tab.<\/li>\n\n\n\n<li>Click <em>Try it now<\/em> and customize the account for expense lines using <em>Then<\/em> blocks \u2192 set <em>QuickBooks data<\/em> \u2192 <em>Category<\/em> field. It will give you access to the accounts from your Chart of Accounts.<\/li>\n\n\n\n<li>Save your rule and close it.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/docsz\/AD_4nXeeD7ZGpVndqB33h4T72cHUgz4ME3AVqozOPJYCWOA_RxJr0UbEMlU2O45aRN5TkZpTXWJnbyHViTGQHXNzpv9fx3SE1_re1p00pOXt6JLxivavGnbb9OQI4JKii8BuPpgx70a2zMUx0iwIf6fUz2aLjXSJ?key=feCwVkX6-9EvXs2ZE7MyaA\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 4: Sync Financing Paydown transactions<\/strong><\/h2>\n\n\n\n<p>Once your settings and rules are in place, sync your Financing Paydown transactions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to the Platform transactions and look for the <em>Financing Paydown<\/em> transaction type for Stripe.<\/li>\n\n\n\n<li>Select a few transactions and sync them over to the books: <em>Actions<\/em> \u2192 <em>Sync.<\/em><br><strong><em>Note<\/em><\/strong>: if transactions were already synced over, roll them back first and then sync again to apply the rule to them.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/docsz\/AD_4nXcdEsNKfvtdpzEocGLvKDNqFb7RZ6DLn3lQudtUsxDFrbt39Dzxx_d7yw1K3eaCqSrVtACyhI0b6OSl1qHn8ZWNXvKLsBpsMEPReYoJmTv35nTyxXrE4UJEmHYtyXJX6ZBs9dFH4yQwvNfcMm-CTOaBoDlU?key=feCwVkX6-9EvXs2ZE7MyaA\" alt=\"\"\/><\/figure>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Check the created expense properly categorized in the books.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/docsz\/AD_4nXeUM72ASwqAH1RVWXwuS0-09RSKXeAXVeLNW-IAP3bOB3ImAuHwHQfrqTUZLGWjLb4LNBJd5HNCaLgLajd3_XFfj2aNkml_VGh89C0S5lNQYrb_GnCajGVxPjHKMDP--9PmrGbpzQZdN2-o0HDtbo0Crzye?key=feCwVkX6-9EvXs2ZE7MyaA\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"summary-sync\">Summary Sync users<\/h2>\n\n\n\n<p>On Summary sync, Financing Paydown transactions are included in your daily summaries and will appear as a separate <strong>Loans<\/strong> group in your mapping table. Map the Loans group to the appropriate liability account from there. Make sure to use the <strong>same account for the initial loan entry in Step 2<\/strong> \u2014 this keeps your outstanding balance accurate as each paydown is applied.<\/p>\n\n\n\n<p>If you need to split the repayment and interest into two separately mappable lines, you can use <strong>manual groups<\/strong> with a line item condition. A line item condition lets Synder identify the Advance amount and Premium amount as separate lines and map each to a different account. See <a href=\"https:\/\/synder.com\/help\/summary-sync-understanding-the-mapping-groups\/\">Summary Sync: Understanding Mapping Groups<\/a> for full instructions on setting this up.<\/p>\n\n\n\n<p>That&#8217;s it! Now you know how to handle Stripe Capital Financing Paydowns in Synder.<\/p>\n\n\n\n<p><a href=\"https:\/\/synder.com\/contact\/\"><em>Reach out to the Synder Team<\/em><\/a>&nbsp;via online support chat, phone, or email with any questions you have \u2013 we&#8217;re always happy to help you!<\/p>\n\n\n\n<script>\nif (window.convertflow == undefined) {\nvar script = document.createElement('script'); \nscript.async = true;\nscript.src = \"https:\/\/js.convertflow.co\/production\/websites\/11040.js\"; \ndocument.body.appendChild(script); \n};\n<\/script>\n<div class=\"cf-cta-snippet cta74541\" website-id=\"11040\" cta-id=\"74541\"><\/div>\n\n\n\n<p><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your business takes a Stripe Capital loan, Synder has you covered. When Stripe deducts a repayment from your payout, Synder syncs it as a multiline expense called Financing Paydown. Each synced transaction includes two line items: To make sure these transactions land in the right accounts in your books, follow the steps below. Step [&hellip;]<\/p>\n","protected":false},"author":2233,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[369,438,374,437],"tags":[],"ppma_author":[338],"class_list":["post-22248","post","type-post","status-publish","format-standard","hentry","category-transaction-recording-per-transaction","category-stripe-payment-integration","category-categorization-pt","category-payment-integrations-main"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Categorize Stripe Capital Financing Paydowns - Synder Guide<\/title>\n<meta name=\"description\" content=\"Learn how to categorize Stripe Capital financing paydowns (loan repayments) 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