Credit that works as hard as merchants do

What is it?

Shopify Credit is a business credit card built for merchants on the Shopify platform. Pre-approved based on store performance—not personal credit—it gives business owners access to flexible working capital, cashflow-friendly repayment terms, and cashback rewards on everyday expenses.

Journey highlights

• Merchants receive tailored credit offers based on store performance

• Fast online approval—no personal guarantee or credit check

• Cashback rewards on categories like marketing, shipping, and tech

• Fully integrated into the Shopify dashboard for easy management

Why it matters

Unlike traditional cards, Shopify Credit is context-aware: it uses business data, not FICO scores, to pre-approve merchants. That means faster access, no personal liability, and native integration with the tools merchants already use—making credit feel like a natural extension of running a store.