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, Line of Credit, and Term Loans products is issued by WebBank in the United States.
Powering businesses like yours
to Shopify merchants
Up to $5M offers
if eligible, with options to renew1
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
|Funds deposited directly into your account
|Real-time offers based on your sales(funding up to $5M)
|No personal credit checks, no compounding interest, no surprises
|Hassle-free, online application
|Funding in as quick as two days if approved
|Top-up and renew early
|Flexible, automated payments from your store’s sales
|Fully integrated solution, so you can run your business from one place
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
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.
Learn more about funding your business through Shopify Capital.
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 data relating to your business, including your sales, disputes, and customer engagement. You must also meet minimum requirements, such as:
- Sell on Shopify for at least 90 days
- Comply with Shopify’s Acceptable Use Policy and Terms of Service
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.
- 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. In the United Kingdom, MCAs are issued by YouLend.
- 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.