Shopify Capital
Provides working capital to Shopify merchants to help them grow their businesses.
About
Technology stack
detected 2026-06-23
Shopify“I own a small retail business and made the mistake of taking both Shopify Capital and Shopify Credit during slower periods to keep things moving. Between the two, Shopify is now taking about 23% of my daily sales, and it’s honestly becoming…”
View on Reddit“Has anyone applied for Shopify capital and got immediately denied? I have gotten many loans in the past and never have dealt with this before. Loan is currently 51% paid off and I got an offer after that.”
View on Reddit“As title says our recent Shopify Capital £180,000 loan has been declined after we applied. This is strange to me, as since 2025 we've successfully been accepted for and repaid over £500k in capital loans.”
View on Reddit“What do store owners on Shopify think about Shopify Capital? I have used on many occasions with no issues, but do people feel it’s good value for money to grow your business?”
View on Reddit“I use Shopify Capital and it was great from 2021 through 2023. But I got into trouble in Q4 2023 by taking a large Shopify Capital loan AND a Paypal loan (bad move, my fault).”
View on Reddit“The attractive part of Shopify Capital is the fixed fee. Our current business credit card APR is ridiculous - around 24 APR%. Due to the nature of our business, we always have a balance - sometimes it's huge and sometimes it's not-so-huge.…”
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What does Shopify Capital do?
Shopify Capital is a financial services offering from Shopify that provides eligible merchants with access to working capital. It offers cash advances and business loans based on a merchant's sales history on the Shopify platform, allowing them to invest in inventory, marketing, or other business needs without traditional lending hurdles. The repayment is typically tied to a percentage of daily sales.
Where is Shopify Capital headquartered?
Shopify Capital is headquartered in Ottawa, Canada.
When was Shopify Capital founded?
Shopify Capital was founded in 2018.
What industry does Shopify Capital operate in?
Shopify Capital operates in Fintech, E-commerce, Lending, Revenue-Based Financing, Small Business Financing, Embedded Finance.
How many employees does Shopify Capital have?
Shopify Capital has approximately 28538 people on record.