Shopify Capital
Fund your business.
Drive growth. Scale faster.
Shopify Capital offers access to funding that lets you repay as you sell, at every growth stage, right from your admin.
No credit checks, no impact to your personal credit score
Get offers customized for your business
Pay only on days you sell and less when sales are slow
Keep scaling your business with additional cash
$5.1B+ funded
to Shopify merchants since 2016
Offers up to $2M
with options to renew, if eligible1
0% equity
no stake taken—ever
Success stories
No vision is too bold, no idea is too big
Join the thousands of businesses that have tapped into over 344k funding rounds through Shopify Capital to accelerate their growth.
Food & Beverage - Porter Road
Scaling a Sustainable Meat Company
Pet - The Public Pet
Empowering Growth With Shopify Balance
Apparel - Hell Babes
Navigating the Speed Bumps of Small Business
How it works
Get cash and repay from sales without leaving your admin
Apply online
Minimal paperwork, no credit checks, and no guarantors.
Get funds in days
Receive funding in as quick as two business days, if approved.
Repay as you sell
Pay it back with a percentage of your store's daily sales.
Renew early
Top up before your current round is fully repaid, if eligible.
Seize more opportunities with stronger cash flow
Invest in inventory, marketing, operations, payroll, or whatever keeps your business moving forward.
Stay competitive year-round
Optimize for SEO, collab with influencers, launch a referral program, and increase your advertising budget.
Stock up for success
Keep bestsellers in stock, secure bulk discounts, add new products, and take control over your supply chain.
Cover operational costs
Manage your cash flow, keep operations running smoothly, and hire the staff your growing business needs.
“With Shopify Capital, our revenue increased by 40% to 50%—a direct result of expanding our inventory with new products.”
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Read case study
Shopify Capital puts your business first
| Features | Shopify Capital | Traditional loans |
|---|---|---|
| Funds deposited directly into your account | Shopify Capital | Traditional loans |
| Real-time offers based on your salesfunding up to $2M | Shopify Capital | Traditional loans |
| No credit checks or impact to your personal credit score | Shopify Capital | Traditional loans |
| No personal liability, no compounding interest | Shopify Capital | Traditional loans |
| Hassle-free, online application | Shopify Capital | Traditional loans |
| Funding in as quick as 2 business days, if approved | Shopify Capital | Traditional loans |
| Early renewals with same streamlined application process | 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 |
Shopify Capital
Tap into the power of funding
Resources
Boost inventory, increase sales
Find out how three merchants stocked shelves and increased sales using Shopify Capital.
Fast-track your growth
Discover how Shopify Capital helped increase sales by 36% for these shops.
Get started with Capital
Dive into the specifics of Shopify Capital, from eligibility to repayment.
More from Shopify Finance
Designed to work with Capital
The financial account built to support your business with faster payouts and more rewards.
A pay-in-full Visa® business card with up to 3% cashback on eligible expenses, and 10 months to pay your statement balance.2
An efficient way to schedule, pay, and manage business expenses without subscription fees.3
Frequently asked questions
- Available in select countries. All loans through Shopify Capital are issued by WebBank in the United States. Offers to apply do not guarantee funding. Shopify Capital loans are repaid based on a percentage of daily sales. The maximum repayment term is 18 months, and 2 minimum payments apply. The actual time period within which the loan is repaid may be less than 18 months.
- 1.Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
- 2.Shopify Credit Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. See Issuing Bank Terms and Shopify Credit Program Terms.
- 3.Shopify Bill Pay has no subscription fees. Other transaction fees may apply.