--- title: "Additional financing" description: "Learn about additional financing options for existing Capital grants, including grant renewal terms and conditions." url: "https://docs.adyen.com/capital/additional-financing" source_url: "https://docs.adyen.com/capital/additional-financing.md" canonical: "https://docs.adyen.com/capital/additional-financing" last_modified: "2026-06-15T16:12:33+02:00" language: "en" --- # Additional financing Learn about additional financing options for existing Capital grants, including grant renewal terms and conditions. [View source](/capital/additional-financing.md) **Limited availability**\ Grant renewal is currently in a pilot phase. To request access, reach out to your Adyen contact. *** Existing users can become eligible for additional financing in two scenarios: * **New grant after full repayment**: When the prior grant is 100% paid off, the user can receive a new grant. The process is the same as for a first-time grant. For more information, see [Disburse a grant](/capital/make-grant-request). * **Subsequent grant after partial repayment** (commonly referred as a *renewal*): When the prior grant is only partially paid off but meets specific requirements, the user can receive a subsequent grant. Adyen disburses the full subsequent grant amount and reserves the outstanding principal of the prior grant for repayment. The rest of this page covers the grant renewal scenario, including [eligibility requirements](#eligibility) and [conditions](#conditions). For step-by-step instructions, see [Renew a grant](/capital/renew-grant). ## Eligibility To qualify for grant renewal, a grant must meet the following requirements: | Requirement | Description | | --------------------------- | ----------------------------------------------------------------------------------------------------------------------- | | Minimum repayment threshold | The prior grant must be repaid by a specific percentage, determined by risk assessment and varying by balance platform. | | Repayment history | The grant must have no outstanding missed repayments. | | Grant age | The prior grant must be at least 90 days old to show a stable repayment history. | | Currency consistency | The renewal offer must use the same currency as the prior grant. | | Offer minimum | The renewal offer must be at least 150% of the outstanding balance of the prior grant. | ## Renewal conditions The following conditions apply to grant renewal: | Condition | Description | | -------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Offer underwriting | Renewal underwriting follows current credit assessment rules to determine repayment percentage, fee, and maximum amount. The new terms can differ from the prior grant. Offers are recalculated weekly and expire after seven days. | | Terms of Service | Users must accept the Terms of Service for each subsequent grant. After selecting a renewal offer, the `receiveGrants` capability is disallowed until the Terms of Service are accepted again. | | Disbursement and repayment | Adyen disburses the full subsequent grant amount and reserves the outstanding principal of the prior grant for repayment in a single atomic action. | | Fee waiver | Any unpaid fee from the prior grant is fully waived at the time of renewal. | | New fee application | The new fee percentage applies to the entire principal amount of the subsequent grant. | | Available funds | The effectively available funds equal the new principal amount minus the outstanding principal of the prior grant. | ## How renewal works Grant renewal is available through the UI components and API. The following tabs give a brief overview of each option. ### Tab: Components When a grant is eligible for grant renewal: 1. The interface shows a notification. The minimum loan amount updates to the outstanding balance plus EUR 500 (or equivalent in another supported currency) to fully cover the prior grant. 2. The interface presents the new Terms of Service and asks the user to accept them. 3. After the user accepts the renewal offer and signs the new Terms of Service, Adyen creates a subsequent grant automatically. 4. Adyen disburses the full subsequent grant amount and reserves the outstanding principal of the prior grant for repayment. The effectively available funds equal the new principal amount minus the outstanding principal of the prior grant. ### Tab: API When a grant is eligible for grant renewal: 1. Adyen [sends a webhook](/capital/webhook-types/capital-webhooks#grant-renewal) that contains confirmation of grant renewal eligibility and details about the minimum financing amount. You can also get this information through the GET [/grants](https://docs.adyen.com/api-explorer/capital/latest/get/grants) endpoint. 2. You get offers for this account holder and present the one that meets the renewal minimum. 3. You present the user with the new Terms of Service. 4. After the user accepts the renewal offer and signs the new Terms of Service, you [configure a subsequent grant](/capital/renew-grant#configure-renewal-grant). Pass the ID of the prior grant as `renewsGrantId` in the request body. You can get this ID from the [grant renewal webhook](/capital/webhook-types/capital-webhooks#grant-renewal) or the GET [/grants](https://docs.adyen.com/api-explorer/capital/latest/get/grants) response. 5. Adyen disburses the full subsequent grant amount and reserves the outstanding principal of the prior grant for repayment. The effectively available funds equal the new principal amount minus the outstanding principal of the prior grant. ## See also * [Grant lifecycle-related events](/capital/webhook-types/capital-webhooks) * [User flow with UI components](/capital/capital-components) * [Renew a grant](/capital/renew-grant)