Merchant and seller working capital inside Shopify admin, not Shopify Payments acquiring and not a white-label Capital API for other platforms. Offers are eligibility-gated. Financing is a loan or merchant cash advance by country, plus a US Capital flex account. Shopify is not a bank; funding partners issue or provide Capital by market. Public country lists and max-amount copy do not agree across pages.
What it is
Shopify Capital is Shopify’s financing program for eligible Shopify merchants and sellers. Product page: fund your business, drive growth, scale faster, with funding that lets you repay as you sell at every growth stage, right from your admin. Help hub: Shopify Capital offers merchant cash advances and loans to eligible businesses based on the store’s location, history, use, and interaction with the Shopify platform. Winter 2026 Finance blog and shopify.com/finance also market a US Capital flex account for ongoing withdrawals under one application, with borrowing capacity that can change weekly.
How it works on the current Capital product page: apply online with minimal paperwork and no credit checks marketed on that page, get funds in as quick as two business days if approved, repay as you sell with a percentage of daily sales, and renew early if eligible. Marketing comparison table: real-time offers based on sales, funding up to $2M, no personal liability, no compounding interest, flexible automated payments from store sales. Help Getting started: eligibility is automatically evaluated from sales, disputes, customer interactions, time on Shopify, and Terms of Service compliance. Eligible stores receive an email and a Finance-page message with one or more offers. Receiving an offer does not guarantee funding. Merchants customize within available offers, then submit an application that usually reviews in 1 to 3 business days.
This page is Shopify Capital as merchant and seller working capital that software platforms and merchants encounter on Shopify. Adjacent Shopify products are Shopify’s. They are not this page. Shopify Payments, Shop Pay, Shop Pay Installments, Shopify Balance, Shopify Credit, and Shopify Bill Pay are Shopify’s. They are not this page. No public Capital-for-platforms partner API equivalent to a white-label Capital product for other software platforms was found on the Shopify Capital, Finance, Help, or Partner API surfaces used for this listing.
Who it’s for
Merchant and reader shapes, from Shopify Capital, Help Getting started, Finance, and Winter 2026 Finance pages:
- Shopify merchants and sellers, which Capital product and Help copy sell as the businesses that receive performance-based funding offers inside Shopify admin for inventory, marketing, operations, payroll, retail space, and growth.
- US merchants that may qualify for Capital flex, which Winter 2026 Finance and Capital flex Help treat as a separate revolving path from one-time fixed funding, with US-only eligibility and a printed trailing-twelve-month GMV floor on the flex eligibility page.
- Commerce software, marketplaces, and operator teams that sit next to Shopify, which use this listing to understand the Capital product Shopify markets to its own merchants, not a Capital API they can turn on for non-Shopify users.
Merchant intake is Log in to check eligibility on shopify.com/capital, plus email and Finance / Capital admin offers when eligible. Help Getting started: if you do not receive an email or Finance message, your store is currently ineligible. Store owner is required to apply. That is invite and eligibility-gated self-serve inside admin after an offer appears, not a public cold apply for every Shopify store and not a sales-led partner live start for other platforms.
It is a fit for an eligible Shopify merchant that wants sales-linked working capital inside admin, or for a software team that needs the accurate merchant Capital surface on Shopify rather than a white-label Capital-as-a-service story.
Standout details
- Merchant Capital surface (current pages). shopify.com/capital is merchant-first: Log in to check eligibility, apply in admin, repay from sales. shopify.com/finance markets the same Capital block plus Flex account. Help hub lists country-specific loan and MCA guides plus Capital flex. apps.shopify.com built-in Capital feature page restates the same merchant path. Treat this listing as Shopify’s own merchant and seller Capital product. A separate public Capital API for third-party platforms to offer branded financing to their own non-Shopify merchants was not found on the surfaces used here.
- Product types by country (as printed on Help Getting started). English eligibility table: Australia loans, Canada loans, France loans, Germany loans, Ireland merchant cash advance, Netherlands merchant cash advance, Spain merchant cash advance, United Kingdom merchant cash advance, United States loans. US Help: lump-sum loan with fixed borrowing cost (cost of funds), Fixed-fee or Monthly-fee repayment plans on current US loan Help, daily sales percentage, optional manual payments. UK Help: merchant cash advance / purchase of receivables through partner YouLend. Australia, Canada, France, and Germany Help pages describe loans with fixed borrowing cost and daily sales repayment. Capital flex Help: US-only flex account distinct from one-time loans. Winter 2026 Finance footnote: financing through Shopify Capital is either an MCA or a loan depending on location. Spanish-language Getting started eligibility table on help.shopify.com/es currently labels Canada as merchant cash advance while the English table and Canada Help title label Canada as loans. Treat Canada product-type copy as vendor pages that do not fully agree.
- Capital flex account (as printed). Winter 2026 Finance and shopify.com/finance: US flex account, one application, ongoing access as you repay, capacity may fluctuate weekly, funds not guaranteed and remain subject to additional approval, each withdrawal due in full within a maximum of 18 months from the withdrawal date. Flex eligibility Help: US principal place of business and US bank account, not a trust or partnership, at least $50,000 USD GMV over trailing twelve months, weekly automated eligibility review, apply from Finance > Capital > Flex account financing. Initial review marketed as 1 to 3 business days, with longer enhanced review if documents are needed. April 2024 Shopify news also named a Line of Credit under Shopify Lending. Current Finance and Capital marketing lead with Capital flex for the revolving path. Treat older Line of Credit naming as historical Shopify Lending copy next to today’s flex marketing.
- Repayment and amount copy (as printed). Product and Finance: repay a fixed percentage of daily sales, more when sales are strong and less when slow, payments only on days with sales on Finance feature copy. Loan markets: maximum repayment term 18 months and 2 minimum payments on Capital and Finance footnotes (Help AU/CA/DE examples: progress checks around 6 and 12 months with printed 30% / 60% minimum thresholds on those Help pages). US product footnote: maximum repayment term 18 months and 2 minimum payments. Early renewal / top-up before full repayment if eligible on Capital and Finance. Manual remittance or early payoff options appear on country Help pages. This listing does not reprint a fee schedule. Max-amount marketing does not agree: Capital product comparison table says funding up to $2M; April 2024 Shopify news and some Capital blog posts say from a few hundred dollars up to $5 million; BFCM Capital blog says up to $2 million if approved. Treat max-amount lines as vendor copy that does not agree.
- Eligibility and geography (as printed). Capital product FAQ shorthand: select merchants in the United States, Canada, United Kingdom, and Australia, sell on Shopify for at least 90 days, comply with Acceptable Use Policy and Terms of Service, eligibility from ML underwriting on sales, disputes, and customer engagement. Help hub and Getting started: Australia, Canada, France, Germany, Ireland, the Netherlands, Spain, the United Kingdom, and the United States, with matching local currency settings, principal place of business and bank account in-country. Trusts and Partnerships are not supported on the Help hub. Winter 2026 Finance: expanded access to existing performance-based fixed funding across more European markets. Product FAQ country shorthand and Help country list do not agree. Meeting printed minimums does not guarantee an offer.
- Ops and pricing. Merchant path: eligibility offer in admin or email, customize within available offers, submit application, funds in as little as two business days if approved on product and Finance copy. No public Capital rate card on shopify.com/pricing or Capital pages. Offers show merchant-specific terms inside admin. Public pricing: not published. Production for an eligible merchant with an offer is self-serve in admin. There is no public self-serve start for a non-Shopify platform to launch Capital for its own merchants.
- License and legal (as printed). Originator and partner lines as in license_posture. US loans: WebBank. UK MCA: YouLend under receivables purchase agreement. Glossary: UCC-1 financing statements may be filed and give Shopify a right to claim named collateral on default for loan markets that use that structure. Shopify Capital Inc. appears on Shopify subprocessors. Complete non-US originator roster beyond the UK YouLend line was not published on the pages used here.
- Scale figures are Shopify’s and do not agree across max-amount pages. April 2024 news: since 2016, more than $5.1 billion distributed to merchants through Capital alone; eligibility from a few hundred dollars up to $5 million. Capital product: since 2016, thousands of businesses; funding up to $2M on the comparison table. Capital and related blogs also restate the $5.1 billion line and mixed $2M / $5M ceilings. Merchant quote on Capital: revenue increased by 40% to 50% after expanding inventory. Embedded-finance blog: average sales grew 36% more than comparable shops over the next six months for businesses that secured Capital financing. Treat those as vendor copy from specific pages, not a single audited figure. Founded year in frontmatter follows Shopify company founding in 2006. Capital program marketing dates the product to 2016. Headquarters follows Shopify’s Ottawa, Ontario corporate home; recent SEC coverage also names a New York principal executive office alongside Ottawa.
- Named on current Shopify Capital product, news, or Capital story surfaces (vendor-named): Hell Babes, Porter Road, The Public Pet, and other merchant stories Shopify publishes on Capital and related pages. Attribute as Shopify-named merchant stories, not as independent verification.
Sources: Shopify Capital, Shopify Finance, Capital Help hub, Getting started / eligibility, US loans and repayment, UK merchant cash advance, Canada loans, Australia loans, Germany loans, Capital flex eligibility, Capital glossary, Winter 2026 Finance blog, Capital news $5.1B, Embedded finance blog, Built-in Capital app feature, Subprocessors.
Honest verdict
Shopify Capital is the listing to read when the job is working capital for Shopify merchants and sellers inside Shopify admin: eligibility-gated offers, loan or merchant cash advance by country, a US Capital flex account on current Finance marketing, sales-linked repayment, and Shopify and its financing partners running underwriting and funding. Adjacent Shopify products are Shopify’s. They are not this page.
What it is not: a published rate card, financing for businesses that are not Shopify merchants, a white-label Capital API for another platform’s merchants, a cold apply with no eligibility offer, or consumer checkout installment credit as the core product. Log in to check eligibility and Finance-page offers are the intake. Funding partners issue or provide Capital by market; Shopify is not a bank. Product-type and country lists disagree between the Capital FAQ shorthand and Help Getting started, and Canada loan-versus-advance wording disagrees across English and Spanish Help. Public max-amount copy disagrees between $2M and $5M lines. If you are not an eligible Shopify merchant and are not trying to understand Shopify’s own merchant Capital surface, stop. If the job is sales-linked SME capital inside Shopify admin for merchants already on Shopify, start here.