Shopify Capital Loans And Cash Advances

Fast, flexible, hassle-free financing

Simplify financing, automatically pay as a percent of your sales, and manage all aspects of your business right from your admin.1

Don’t have a Shopify store? Start for free, then get your first 3 months for $1/mo.Available in select countries. Offers to apply do not guarantee financing. All financing through Shopify Lending including Shopify Capital, Line of Credit, and Term Loans products is issued by WebBank in the United States.

A middle-aged white man in a dark, navy suit speaking on his smartphone and signing financial documents for his furniture retail business.

Capital Loans and Cash Advances made for commerce

Shopify is the only finance partner with a 360° understanding of your business, so we’ll have an offer ready the moment you’re eligible for financing.

Transparent pricing

No annual fees, or compounding interest. No surprises.

No hard credit checks

Offers are based on our unique, in-depth view of your business.

Seamless integration

Manage financing in the same admin you use to run your business.

Full control

Scale and thrive with Shopify. No equity, or stake taken—ever.

Business lending, simplified

Take advantage of proactive financing. Shopify leverages machine learning that analyzes data about your business and reaches out the moment you’re eligible for financing.

Shopify Capital Loans and Cash Advances analytics table detailing the percentage of repayment from a merchant’s daily sales over 3 days.

Fast financing

If approved, receive financing in as quick as two days and put your money to work.

Transparent terms

No hard credit checks, no compounding interest, and no surprises.

Renew early

Scale at speed with options to top-up before you’ve fully paid back your current round.

Pay as you sell

Automatically make flexible repayments as a percentage of your daily sales.1

Powering businesses like yours

Loans and Cash Advances by the numbers

Up to $5M

in financing2

$5.1B+ in financing

to businesses on Shopify

0% equity

no stake taken—ever

A silver and black Ford Bronco parked in the middle of a sandy desert covered in mud and sand from offroading.

Shopify Capital allows us to dominate the market for specific products. In fact, our gross profit margins increased by 15%.

Earth-tone ceramic dinner plates and bowls from the brand Fable.

Without Shopify Capital, we’d move a lot slower. Extra capital lets us move quickly and seize opportunities when they appear.

Haley Pavone, Founder and CEO of Pashion.

Shopify Capital secured our holiday inventory and supported 375% sales growth. Without it, I doubt we’d come close to that figure.

A white male entrepreneur reviewing and signing financial documents while sitting at his desk.

Shopify Capital Loans And Cash Advances

Commerce financing the way it should be

Optimize cash flow, keep bestsellers stocked, invest in paid marketing, expand into brick and mortar, and more. Apply today.


Financing guide

See how Capital Loans and Cash Advances can move your business forward.

Cash flow calculator

Get a full understanding of your business cash flow in five minutes or less.


Learn more about Shopify Lending solutions and products.

Recommended for you

Line of Credit 

Access on-demand financing up to your credit limit.3

Term Loans 

Customize loan amounts and payments to fit your business.

Frequently asked questions

Capital Loans and Cash Advances are 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.
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 prequalify to apply for financing. During the second stage, the Shopify Capital team will review your business’s application to see if you qualify for the amount of financing requested.
If approved, funding can be deposited into your bank account in as quick as two days and ready to use. 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.1

Available in select countries. Offers to apply do not guarantee financing. All financing through Shopify Lending including Shopify Capital, Line of Credit, and Term Loans 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.

  • 1Shopify Capital loans must be paid in full within 18 months, and two minimum payments apply within the first two 6 month periods.
  • 2Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
  • 3Funds from a withdrawal request may take two or more business days to be received.