Shopify Capital

Business funding,
pay as you sell

Take control of your business with founder-friendly capital. Keep bestsellers stocked, amplify your marketing, and grow your team.

A Black female Shopify merchant working in her flower shop; A Shopify merchant’s Capital dashboard showing how repayments are calculated as a percentage of their daily sales

Powering businesses like yours

A white male Shopify merchant sanding wood and building furniture in his studio

$4.5B+ funded

to Shopify merchants

Up to $5M offers

if eligible, with options to renew1

0% equity

no stake taken—ever

The Shopify Capital solution—designed for entrepreneurs at any stage

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Take advantage of proactive funding

Skip the hassle of typical funding. Shopify leverages 70M+ data points about your business and reaches out the moment you have an offer.

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Apply online in just a few clicks

Customize offer amounts to what your business needs. 100% online. Minimal paperwork. No personal credit checks.

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Get your funds in days, not weeks

Put your money to work—fast. If approved, receive funding in as quick as two days and use it for inventory, marketing, and more.

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Pay as your business scales

Automatically make payments as a percentage of your daily sales. No compounding interest. No schedules. No surprises.

Funding that flexes to your business’s everyday needs

Make your next move with funding as agile as your business. From inventory and marketing to payroll and more—use your funds, your way.

Stay fully-stocked with inventory financing

Stock up on your bestselling products, lock-in bulk discounts, explore a new product line, and gain more control of today's unpredictable supply-chain.

Power brand love with marketing financing

Optimize for SEO, collab with brand influencers, launch a rewards or referral program, and stay competitive all year long with paid marketing on social, search, and more.

Build an A-list team with payroll funding

Bring on experts and contractors, compete for tier-one talent, promote top performers, and explore new ways to foster your team's professional growth.

A South Asian female Shopify merchant proudly showcasing her line of eclectic, colorful jewelry

Business funding the way it should be

Funds deposited directly into your accountShopify Capital
Traditional loans
Real-time offers based on your sales (funding up to $5M)Shopify Capital
Traditional loans
No personal credit checks, no compounding interest, no surprisesShopify Capital
Traditional loans
Simple, hassle-free application in just a few clicksShopify Capital
Traditional loans
Funding in as quick as two days if approvedShopify Capital
Traditional loans
Top-up and renew funding earlyShopify Capital
Traditional loans
Flexible, automated payments from your store’s salesShopify Capital
Traditional loans
Fully-integrated solution, so you can run your business from one placeShopify Capital
Traditional loans

All loans in the US through Shopify Capital are issued by WebBank.

Renewing Capital

Keep the momentum going

Want more? You could be eligible for additional funding before you’ve fully paid back the current round. Payments won't start until you pay off your balance. No double charges—period.

A Latino male Shopify merchant reviewing orders and prepping packages for delivery
  • Shopify doesn’t judge you. They don’t look at your credit score. It’s totally up to your sales. Through Shopify Capital, they give you what they think you need and can pay back in a reasonable timeframe.
Quartz & Rainbows
Zakia TorresFounder
A white female Shopify merchant on the phone, reviewing her planner, in her office

Shopify Capital

Own your business’s journey

From startup to scale up, you call the shots. Check if you're eligible and apply for founder-friendly capital today.


A white female and Black male Shopify merchant team smiling at the camera as they work in the back office of their flower store

Shopify Capital

Learn more about funding your business through Shopify Capital.

A Latino male Shopify merchant checking inventory in a large warehouse

Growth at scale

Discover how funding through Shopify Capital accelerates sales and growth.

A white female and Black female Shopify merchant team reviewing their company budget on a large desktop in their retail office

Cash flow calculator

Understand your monthly cash flow—in five minutes or less.

Recommended for you

Shopify Credit 

Turn everyday business purchases into even more cashback rewards with the pay in full card designed for entrepreneurs.

Shopify Balance 

Manage business funds all from Shopify Balance, a free financial account built into your store’s admin.

Shopify Bill Pay 

Easily pay, schedule, and manage expenses from the same platform you run your business—free.2

Frequently asked questions

Shopify Capital is currently available to select merchants in the United States, Canada, United Kingdom, and Australia. Eligibility is automatically determined by our underwriting model, which uses machine learning to analyze millions of data points related to your business, including:

We will send you an email if you're eligible to apply for funding. Additionally, when you log in to your account, a message will appear on the admin Home inviting you to view available funding offers.

Anything you want for your business (we mean it).
Underwriting has two stages. In the first stage, Shopify Capital’s underwriting model identifies your business as potentially eligible to pre-qualify for funding. This model harnesses both traditional and nontraditional techniques to determine your eligibility in real-time. During the second stage, the Shopify Capital team will review your business’s application to confirm eligibility for the amount of funding requested.
If approved, funding can be deposited into your bank account in as quick as two days and ready to use—no prepaid debit cards, no checks.
Payments are automatic and flex to fit your business. Payments are a set percent of your daily sales—sell more, pay back more, sell less, pay back less.
  • 1Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
  • 2No subscription fees. Other transaction fees may apply.