Shopify Capital

Business funding,
pay as you sell

Take control of your business with founder-friendly capital. Keep bestsellers stocked, amplify your marketing, and grow your team.

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A Shopify merchant’s dashboard shows that $4 of a $40 order is deducted for Capital funding repayment, leaving $36 in earnings.

Powering businesses like yours

White male Shopify merchant sanding wood and building furniture in his studio
$4.5B+ funded
to Shopify merchants
Up to $5M offers1
if eligible, with options to renew
0% equity
no stake taken—ever

The Shopify Capital solution—designed for entrepreneurs at any stage

Take advantage of proactive funding

Skip the hassle of typical funding. Shopify leverages 70M+ data points about your business and reaches out the moment you have an offer.

Apply online in just a few clicks

Customize offer amounts to what your business needs. 100% online. Minimal paperwork. No personal credit checks.

Get your funds in days, not weeks

Put your money to work—fast. If approved, receive funding in as quick as two days and use it for inventory, marketing, and more.

Pay as your business scales

Automatically make payments as a percentage of your daily sales. No compounding interest. No schedules. No surprises.
Apply now

Funding that flexes to your business’ 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.

Indian female Shopify merchant proudly showcasing her line of eclectic, colorful jewelry

Stay fully-stocked with inventory financing

Stock up on your bestselling products, 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 brand influencers, launch a rewards or referral program, and stay competitive all year long with paid marketing on social, search, and more.

Build an A-list team with payroll funding

Bring on experts and contractors, compete for tier-one talent, promote top performers, and explore new ways to foster your team's professional growth.

Business funding the way it should be

Features
Funds deposited directly into your accountShopify 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 surprisesShopify Capital
Traditional loans
Simple, hassle-free application in just a few clicksShopify Capital
Traditional loans
Funding in as quick as two days if approvedShopify Capital
Traditional loans
Top-up and renew funding 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.

Latino male Shopify merchant reviewing orders and prepping packages for delivery

Shopify doesn’t judge you. They don’t look at your credit score. It’s totally up to your sales. Through Shopify Capital, they give you what they think you need and can pay back in a reasonable timeframe.

Zakia Torres

Founder, Quartz & Rainbows

Quartz and Rainbows logo

Shopify Capital

Own your business’ journey

From startup to scale up, you call the shots. Check if you're eligible and apply for founder-friendly capital today.

Log in to check eligibility

Resources

Shopify Capital

Learn more about funding your business through Shopify Capital.

Visit the help center

Growth at scale

Discover how funding through Shopify Capital accelerates sales and growth.

Read the post

Cash flow calculator

Understand your monthly cash flow—in five minutes or less.

Estimate cash flow

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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.2

Frequently asked questions

  • 1Offers for eligible merchants are made in their local currency.
  • 2No subscription fees. Other transaction fees may apply.