# 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

## Success stories

No vision is too bold, no idea is too big

Since 2016, thousands of businesses have tapped into funding through Shopify Capital to accelerate their growth.

## Food & Beverage

Scaling a Sustainable Meat Company

## Pet

Empowering Growth With Shopify Capital

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Play video](https://www.shopify.com/capital#video)

## 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.”  
Jordan Lee, Owner - The Public Pet

## 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 |

## Tap into the power of funding

## Frequently asked questions

### Who is eligible for Shopify Capital?

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](https://www.shopify.com/legal/aup) and [Terms of Service](https://www.shopify.com/legal/terms)

### How does underwriting work?

Underwriting has two stages. In the first stage, Shopify Capital’s underwriting model identifies if your business may be eligible to prequalify for funding. In the second stage, the Shopify Capital team reviews your application to determine if you qualify for the requested funding amount.

### What must I provide to apply?

You’ll need basic information about your business and yourself, as the authorized representative responsible for the Shopify account. This usually includes an employment identification number (or other business identifier), contact details, birth dates, addresses, and social security numbers of primary owners and management. This information will not be used for a credit check.

### Can I get more than one round of funding?

Funding offers through Capital are provided under separate funding agreements. You may be eligible for additional funding once you've paid a certain percentage of your current funding round.

### How do I make payments?

You’ll automatically repay with a fixed percentage of your store’s daily sales, but only on days you make sales. This means you’ll pay more when sales are strong and less when they’re slow, which makes it easier to manage your cash flow.