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.

Check eligibility

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

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

Check eligibility

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.

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Business funding the way it should be

Shopify Capital vs. traditional loans
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.

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

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

Jessica Wise, CEO of Hell Babes, sits confidently on a vintage sofa with a motorcycle helmet that reads “Hell Babes Crew” in front of a brick wall painted with black and purple flames

We’ve taken eight rounds of Shopify Capital. Repayments seamlessly integrate into our daily revenue.
Hell Babes
Jessica Wise — CEO
Read the case study

Jordan Lee, Owner of The Public Pet, smiling proudly in front of an outdoor mural and modeling a The Public Pet t-shirt

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

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.

Check eligibility

Resources

Growth at scale

Discover how Hell Babes used funding through Shopify Capital to accelerate growth.

Read the post

Cash flow calculator

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

Estimate cash flow

Support

Learn more about funding your business through Shopify Capital.

Visit the Help Center

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Shopify Credit

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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

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.

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 funding. During the second stage, the Shopify Capital team will review your business’s application to see if you qualify for the amount of funding 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.² On days you sell more, you pay back more. On days you sell less, pay back less.

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.

Business funding,
pay as you sell