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.
Don't have a Shopify store? Start for free, then get your first 3 months for $1/mo.
Powering businesses like yours
$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
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.
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.
Business funding the way it should be
| Features | ||
|---|---|---|
| Funds deposited directly into your account | Shopify 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 surprises | Shopify Capital | Traditional loans |
| Simple, hassle-free application in just a few clicks | Shopify Capital | Traditional loans |
| Funding in as quick as two days if approved | Shopify Capital | Traditional loans |
| Top-up and renew funding early | Shopify Capital | Traditional loans |
| Flexible, automated payments from your store’s sales | Shopify Capital | Traditional loans |
| Fully-integrated solution, so you can run your business from one place | Shopify 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.
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.
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.
Resources
Shopify Capital
Learn more about funding your business through Shopify Capital.
Growth at scale
Discover how funding through Shopify Capital accelerates sales and growth.
Cash flow calculator
Understand your monthly cash flow—in five minutes or less.
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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.