pay as you sell
Take control of your business with founder-friendly capital. Keep bestsellers stocked, amplify your marketing, and grow your team.
Don't have a Shopify store? Start for free, then get your first 3 months for $1/mo.
Powering businesses like yours
to Shopify merchants
Up to $5M offers
if eligible, with options to renew1
no stake taken—ever
The Shopify Capital solution—designed for entrepreneurs at any stage
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.
Apply online in just a few clicks
Customize offer amounts to what your business needs. 100% online. Minimal paperwork. No personal credit checks.
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.
Pay as your business scales
Automatically make payments as a percentage of your daily sales. No compounding interest. No schedules. No surprises.
Business funding the way it should be
|Funds deposited directly into your account
|Real-time offers based on your sales (funding up to $5M)
|No personal credit checks, no compounding interest, no surprises
|Simple, hassle-free application in just a few clicks
|Funding in as quick as two days if approved
|Top-up and renew funding early
|Flexible, automated payments from your store’s sales
|Fully-integrated solution, so you can run your business from one place
All loans in the US through Shopify Capital are issued by WebBank.
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.
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.
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Turn everyday business purchases into even more cashback rewards with the pay in full card designed for entrepreneurs.
Manage business funds all from Shopify Balance, a free financial account built into your store’s admin.
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:
- Sell on Shopify for at least 90 days
- Comply with Shopify’s Acceptable Use Policy and Terms of Service
- Demonstrate consistent sales
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.
- 1Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
- 2No subscription fees. Other transaction fees may apply.