Funding when it makes sense - no bank required
Lending & Credit
What is it?
Shopify Capital offers pre-qualified business loans and cash advances to merchants based on their store’s performance. The offers appear directly in the Shopify admin, and repayment is automated via a percentage of daily sales—making access to capital fast, seamless, and friction-free.
Journey highlights
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Merchants see loan offers based on store revenue
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Applications take just a few clicks—no credit check
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Funding deposited directly into Shopify Balance or bank account
Fast, flexible funding - offered exactly when merchants need it, right inside Shopify
Why it matters
Shopify Capital embeds access to growth funding where it’s most relevant—in the business workflow. Merchants don’t need to apply through banks, submit long forms, or wait weeks. Instead, they get tailored offers and repayment terms that flex with sales.