Shopify Capital

Fund your business.
Drive growth. Scale faster.

Shopify Capital offers access to funding that lets you repay as you sell, at every growth stage, right from your admin.

Don't have a Shopify store? Start one for free

Two Shopify merchants smiling on a spiral staircase. One wears a gray shirt and jeans, while the other is in a striped polo and green pants.
No credit checks, no impact to your personal credit score
Get offers customized for your business
Pay only on days you sell and less when sales are slow
Keep scaling your business with additional cash

Success stories

No vision is too bold, no idea is too big

Since 2016, thousands of businesses have tapped into funding through Shopify Capital to accelerate their growth.
Packaged meat products from "Porter Road"

Food & Beverage

Scaling a Sustainable Meat Company

Person with a dog from "Pet Plate"

Pet

Empowering Growth With Shopify Capital

Person working on a motorcycle from "Hell Babes"
Play video

Apparel — Hell Babes

Navigating the Speed Bumps of Small Business

How it works

Get cash and repay from sales without leaving your admin

Hand reaches for Matcha pouch on wooden retail shelf lined with packaged matcha and tea

Apply online

Minimal paperwork, no credit checks, and no guarantors.

Get funds in days

Receive funding in as quick as two business days, if approved.

Repay as you sell

Pay it back with a percentage of your store's daily sales.

Renew early

Top up before your current round is fully repaid, if eligible.
Log in to check eligibilityVisit Help Center 

Seize more opportunities with stronger cash flow

Invest in inventory, marketing, operations, payroll, or whatever keeps your business moving forward.

Stay competitive year-round

Optimize for SEO, collab with influencers, launch a referral program, and increase your advertising budget.
A table displaying inventory product information for a Shopify merchant, listing "Protein Scoop" at $5.00 with a quantity of 250, "Matte Dumbbells" at $18.00 with a quantity of 175, and "Water Bottle" at $25.00 with a quantity of 290.

Stock up for success

Keep bestsellers in stock, secure bulk discounts, add new products, and take control over your supply chain.
A table showing operational costs for a Shopify merchant, listing "Inventory" with a value of $150,000, "Taxes" with a value of $13,000, and "Shipping" with a value of $10,000.

Cover operational costs

Manage your cash flow, keep operations running smoothly, and hire the staff your growing business needs.

With Shopify Capital, our revenue increased by 40% to 50%—a direct result of expanding our inventory with new products.

Shopify Capital puts your business first

Shopify Capital vs. traditional loans
FeaturesShopify CapitalTraditional loans
Funds deposited directly into your account
Shopify Capital
Traditional loans
Real-time offers based on your sales. Funding up to $2M.
Shopify Capital
Traditional loans
No credit checks or impact to your personal credit score
Shopify Capital
Traditional loans
No personal liability, no compounding interest
Shopify Capital
Traditional loans
Hassle-free, online application
Shopify Capital
Traditional loans
Funding in as quick as 2 business days, if approved
Shopify Capital
Traditional loans
Early renewals with same streamlined application process
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

Shopify App

Take Shopify Finance with you—anywhere

One app to manage your finances and business.
App StoreGoogle Play Store
A white Shopify merchant with long silver hair wearing a stylish green blazer and a light-colored blouse stands holding a smartphone. To the left, a QR code is displayed with the text "Scan to download" beneath it.

Shopify Capital

Tap into the power of funding

Don't have a Shopify store? Start one for free

Resources

Boost inventory, increase sales

Find out how three merchants stocked shelves and increased sales using Shopify Capital.
Read post 

Fast-track your growth

Discover how Shopify Capital helped increase sales by 36% for these shops.
Read post 

Get started with Capital

Dive into the specifics of Shopify Capital, from eligibility to repayment.
Visit Help Center 

More from Shopify Finance

Designed to work with Capital

Shopify Balance

The financial account built to support your business with faster payouts and more rewards.

Shopify Credit

A pay-in-full Visa® business card with up to 3% cashback on eligible expenses, and 10 months to pay your statement balance.2

Shopify Bill Pay

An efficient way to schedule, pay, and manage business expenses without subscription fees.3

Frequently asked questions

Who is eligible for Shopify Capital?

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 data relating to your business, including your sales, disputes, and customer engagement. You must also meet minimum requirements, such as:

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.

How does underwriting work?

Underwriting has two stages. In the first stage, Shopify Capital’s underwriting model identifies if your business may be eligible to prequalify for funding. In the second stage, the Shopify Capital team reviews your application to determine if you qualify for the requested funding amount.

What must I provide to apply?

You’ll need basic information about your business and yourself, as the authorized representative responsible for the Shopify account. This usually includes an employment identification number (or other business identifier), contact details, birth dates, addresses, and social security numbers of primary owners and management. This information will not be used for a credit check.

Can I get more than one round of funding?

Funding offers through Capital are provided under separate funding agreements. You may be eligible for additional funding once you've paid a certain percentage of your current funding round.

How do I make payments?

You’ll automatically repay with a fixed percentage of your store’s daily sales, but only on days you make sales. This means you’ll pay more when sales are strong and less when they’re slow, which makes it easier to manage your cash flow.
  • Available in select countries. All loans through Shopify Capital are issued by WebBank in the United States. Offers to apply do not guarantee funding. Shopify Capital loans are repaid based on a percentage of daily sales. The maximum repayment term is 18 months, and 2 minimum payments apply. The actual time period within which the loan is repaid may be less than 18 months.
  • 1.Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
  • 2.Shopify Credit Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. See Issuing Bank Terms and Shopify Credit Program Terms.
  • 3.Shopify Bill Pay has no subscription fees. Other transaction fees may apply.