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.

Jordan Lee, Owner of The Public Pet, and his Asian female colleague taking inventory and checking customers out inside their retail location in Honolulu, HI

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

  • Hell Babes logo
  • And Arlen logo
  • Chomp logo
  • Ripton logo
  • The Public Pet logo
  • Black Optical logo
  • Ilthy logo
  • Explorer logo
  • Unpacked Living logo
  • Perfectly Natural Soap logo

$5.1B+ funded

to Shopify merchants

Up to $2M offers

if eligible, with options to renew1

0% equity

no stake taken—ever

Made for entrepreneurs at any stage

Quick online application icon

Apply online, hassle-free

100% online. Minimal paperwork. No hard credit checks.

Clock icon

Get funds in days, not weeks

If approved, receive funding in as quick as two days.

Scaling icon

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.

The percentage of repayment for Shopify Capital from a merchant’s daily sales; Pink stuffed musubi dog toys from a merchant’s pet store

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

Shopify Capital vs. traditional loans
FeaturesShopify CapitalTraditional loans
Funds deposited directly into your accountShopify Capital
Traditional loans
Real-time offers based on your sales(funding up to $2M)Shopify Capital
Traditional loans
No personal credit checks, no compounding interest, no surprisesShopify Capital
Traditional loans
Hassle-free, online applicationShopify Capital
Traditional loans
Funding in as quick as two days if approvedShopify Capital
Traditional loans
Top-up and renew earlyShopify Capital
Traditional loans
Flexible, automated payments from your store’s salesShopify Capital
Traditional loans
Fully integrated solution, so you can run your business from one placeShopify 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.

Gary Black, Founder and President of Black Optical, smiles in front of a wall of trendy sunglasses

Black Optical

Gary Black — Founder & President
A white female Shopify merchant on the phone, reviewing her planner, in her office

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

Shopify Credit 

Turn everyday business purchases into even more cashback rewards with the pay-in-full card designed for entrepreneurs.

Shopify Balance 

Manage business funds all from Shopify Balance, a free financial account built into your store’s admin.

Shopify Bill Pay 

Easily 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.