Also if you're aware that comparable bank loans can be cheaper why not investigate that?
Lastly, if you don't need the money, all you did was agree to pay Stripe $2000 to hold theirs. :(
Edit to add: It's not a loan, they aren't accruing interest and the cost is fixed. This would be a weird type of deal if not for the 5% revenue fixed at paying back the advance and fixed cost. If not for that, they would essentially be getting a better and better loan the furter they waited it out, as the effective annual rate goes down as time passes. It's still true that the deal is better the longer you take to pay it back though, but the revenue payback means that you have incentive to pay it back fast, because that means you are making money. It's an interesting deal.
If you don't need the money, and don't even have a visible source of revenue or business plan, throwing away $2k USD + 5% revenue on the chance you might need credit someday is not the wisest of decisions.
What percentage of companies default on their loans to justify rates upwards of 20+%?
In this case Stripe has the most important information about you, your revenue numbers. So they can judge if you are a good risk or not, plus they spread the risk over many companies. Finally, they avoid the biggest cost on small loans, which is all the paperwork/admin on the backend.