Shopify Capital
Agent65 out of 100, Top 25%. Agent Readiness. Open the scores section.Agent Readiness: 65/100. Top 25%. Measured by StartupHub.ai. Median 41.Trust89 out of 100, Top 25%. Data Trust. Open the scores section.Data Trust: 89/100. Top 25%. Measured by StartupHub.ai. Median 61.Provides working capital to Shopify merchants to help them grow their businesses.
About
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.
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Key facts
- Website
- shopify.com
- Headquarters
- Ottawa, Canada
- Founded
- 2018
- Employees
- 28,538
- Business model
- B2B
Tech stack
Detected on shopify.com, last scanned 29 Oct 2026. Run your own scan
- Payments
- Apple Pay
- CMS / Builders
- Shopify
- CDN
- Cloudflare
- Email provider
- Google Workspace
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5 reviews from Reddit gathered in one place
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…
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.
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.
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?
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).
Each quote is copied word for word and links to where it was posted. Promotion and off-topic posts are filtered out.
Frequently asked
Is Shopify Capital trustworthy and reputable?
StartupHub's Data Trust & Reputation score for Shopify Capital is 89 out of 100, a trusted rating, based on site security posture, privacy practices, malware and phishing checks, and public reputation signals.
How many employees does Shopify Capital have?
Shopify Capital has approximately 28,538 people on record.
SEC filings, insider activity, nonprofit links and pay benchmarks for Shopify Capital:
Company details: from public sources. Funding: no announced round on file. Ownership: not yet claimed by the company. Scores: measured by named tools; each links to its method. Our rules
