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Lender profile

Shopify Capital

Payment platform Checked Sep 30, 2026
Shopify Capital offers business loans to eligible U.S. stores that sell on Shopify, with offers of up to $2M repaid automatically from a fixed percentage of daily sales. Each loan carries either a single fixed fee or a monthly fee, must be repaid within 18 months and is issued by WebBank. Some U.S. merchants can also get an early-access flex account that works like a revolving line.
Visit shopify.com/capital Compare with similar funders
Heads up. Offers go only to stores that have sold on Shopify for at least 90 days and are sent by email or shown in the Shopify admin, so you cannot apply without one. Trusts and partnerships are not supported, and the loan agreement includes a security interest in business assets.

The open book

What Shopify Capital publishes, and what it doesn't

3 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
Up to $2M
Minimum credit score
Not published
Minimum time in business
Not published
Minimum monthly revenue
Not published
Speed, in its words
As quick as 2 business days, if approved

The ledger

  • Funding amounts
  • Funding speed
  • Term length
  • Minimum credit score Not published
  • Minimum time in business Not published
  • Minimum revenue Not published
  • Price (rate or factor) Not published
  • Fees Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Shopify Capital's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
Not published
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Within 1-3 business days of a draw
Fees
A monthly percentage fee applied to the average outstanding balance; it accrues daily and is charged on the last day of each month. No percentage is published.
Sources (4)
Price not published
Amounts
Up to $2M
Price
Not published
Term
Up to 18 months
Repayment
Daily
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
As quick as 2 business days, if approved
Fees
Fixed-fee structure: a single fixed fee for the duration of the loan, which Shopify says is called a factor rate and is based on a percentage of the loan amount. Monthly-fee structure: a fixed fee per month. No fee amount, percentage or range is published.
Collateral
Required
Sources (9)

Similar funders

Funders offering the same products

1West

Marketplace
$5K–$10M500+ creditPrice published

Amerifi Capital

Direct funder
From $25KCredit n/pNo price

Backd Business Funding

Not stated
$10K–$2M650+ creditNo price

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

Birkin Capital

Not stated
Up to $2MCredit n/pNo price

Biz2Credit

Direct funder
$25K–$2M575+ creditNo price

Head-to-heads

Shopify Capital vs Square LoansStripe Capital vs Shopify Capital

Pages we read

  1. https://www.shopify.com/capital
  2. https://help.shopify.com/en/manual/finance/shopify-capital
  3. https://help.shopify.com/en/manual/finance/shopify-capital/united-states
  4. https://help.shopify.com/en/manual/finance/shopify-capital/eligibility
  5. https://help.shopify.com/en/manual/finance/shopify-capital/shopify-capital-glossary
  6. https://help.shopify.com/en/manual/finance/shopify-capital/shopify-capital-flex
  7. https://help.shopify.com/en/manual/finance/shopify-capital/shopify-capital-flex/eligibility
  8. https://help.shopify.com/en/manual/finance/shopify-capital/shopify-capital-flex/choosing-capital-option
  9. https://help.shopify.com/en/manual/finance/shopify-capital/shopify-capital-flex/managing-capital-flex-account
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Shopify Capital here doesn't mean it works with Openbook.

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