Shopify Capital
Business funding,
pay as you sell
Take control of your business with founder-friendly capital. Boost your cash flow, keep bestsellers stocked, invest in paid marketing, and more.
Available in select countries. Offers to apply do not guarantee financing. All financing through Shopify Lending, including Shopify Capital and Line of Credit products, is issued by WebBank in the United States.
Powering businesses like yours
$5.1B+ funded
to Shopify merchants
Up to $5M offers
if eligible, with options to renew1
0% equity
no stake taken—ever
Made for entrepreneurs at any stage
Apply online, hassle-free
100% online. Minimal paperwork. No hard credit checks.
Get funds in days, not weeks
If approved, receive funding in as quick as two days.
Pay as your business scales
Automatically make payments as a percentage of your daily sales.2
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.
Stock up with inventory financing
Keep bestsellers in stock, 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 influencers, launch a rewards or referral program, and stay competitive all year long with paid marketing on social, search, and more.
Hire an A-list team with payroll funding
Bring on experts and contractors, compete for top talent, promote your best employees, and explore new ways to foster your team's professional growth.
Business funding the way it should be
| Features | Shopify Capital | Traditional loans |
|---|---|---|
| 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 |
| Hassle-free, online application | Shopify Capital | Traditional loans |
| Funding in as quick as two days if approved | Shopify Capital | Traditional loans |
| Top-up and renew 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 |
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.
We used Shopify Capital to experiment with ads. It gave us the confidence to expand our digital eyewear presence.
- Black Optical
- Gary Black — Founder & President
We’ve taken eight rounds of Shopify Capital. Repayments seamlessly integrate into our daily revenue.
- Hell Babes
- Jessica Wise — CEO
- Read the case study
With Shopify Capital, my revenue increased by 40-50%—a direct result of expanding our inventory with new products.
- The Public Pet
- Jordan Lee — Owner
- Read the case study
Shopify Capital
Own your business’s journey
From startup to scale up, now’s the time to unlock new opportunities for your business.
Resources
Growth at scale
Discover how Hell Babes used funding through Shopify Capital to accelerate growth.
Cash flow calculator
Get a full understanding of your business cash flow in five minutes or less.
Support
Learn more about funding your business through Shopify Capital.
Recommended for you
Turn everyday business purchases into even more cashback rewards with the pay-in-full card designed for entrepreneurs.
Shopify BalanceManage business funds all from Shopify Balance, a free financial account built into your store’s admin.
Shopify Bill PayEasily pay, schedule, and manage expenses from the same platform you run your business—free.3
Frequently asked questions
- Available in select countries. Offers to apply do not guarantee financing. All financing through Shopify Lending, including Shopify Capital and Line of Credit products, is issued by WebBank in the United States. Financing through Shopify Capital is either in the form of a merchant cash advance (MCA) or loan depending on location.
- 1Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
- 2Shopify Capital loans must be paid in full within 18 months, and two minimum payments apply within the first two 6 month periods.
- 3No subscription fees. Other transaction fees may apply.