Privately held Stripe Inc. is moving into small-business lending, joining other hot financial technology companies that offer loans to their customers. Stripe on Thursday introduced Stripe Capital, an offering that allows Stripe users to get loans based on their history with the company. Stripe's algorithm looks at data points including payment volume, repeat-customer makeup, payment frequency, and revenue growth. Stripe helps businesses accept online payments and fetched a $20 billion valuation after a new funding round a year ago. Companies like PayPal Holdings Inc. /zigman2/quotes/208054269/composite PYPL +4.18% and Square Inc. /zigman2/quotes/205989440/composite SQ +1.83% also offer lending products to small-business customers.