Alternatives to Shopify Capital
The top Fintech companies similar to Shopify Capital, ranked by relevance (named competitors first, then how closely their sectors overlap) and our 0-100 AI-readiness score. Each links to a full profile with funding and team.
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Affirm64FintechSan Francisco, United States$1.9BBuy Now, Pay Later (BNPL) service offering flexible payment options at checkout.
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Behalf60FintechNew York, United States$411.0MB2B purchase financing for SMBs to buy more and vendors to sell more.
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Fundbox70FintechDallas, United States$536.0MEmbedded working capital platform for small businesses, offering AI-powered credit lines and B2B payment solutions.
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Liquidity Group68FintechTel Aviv, Israel$985.5MGlobal AI-powered financial asset management firm providing growth capital to tech companies.
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Capchase63FintechNew York, USA$300.0MProvides non-dilutive financing and financial management tools for SaaS companies.
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Klarna59FintechStockholm, Sweden$9.4BKlarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple,
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Bridgement55FintechCape Town, South Africa$10.0MSouth African fintech lender providing AI-driven flexible finance solutions for business cash flow.
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Stash55FintechNew York City, United States$460.5MA fintech company offering a subscription-based platform for micro-investing, financial advice, and wealth-building tools.
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CredPal53FintechLagos, Nigeria$16.6MCredPal offers flexible "Shop Now, Pay Later" solutions, enabling installment payments for consumers and businesses across Africa.
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Bizi52FintechTel Aviv, Israel$7.5MInnovative financial solutions for small businesses to manage cashflow and grow.
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Weav52FintechNew York, United States$14.3MThe single API for commerce platforms, providing real-time financial products and standardized customer data.
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Oodle Car Finance52FintechOxford, United Kingdom$630.0MOodle Car Finance provides a seamless, digital platform for used car financing, connecting buyers with dealers and lenders.
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Lendable49FintechNairobi, Kenya$18.5MLendable builds technology and financial products to make impact investing a competitive asset class for Africans.
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AI-powered platform for managing and optimizing business finances and operations.
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Splitit49FintechNew York, United States$297.6MSplitit offers a merchant-branded Installments-as-a-Service platform for Buy Now, Pay Later solutions.
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valU48FintechGiza, Egypt$100.0MA fintech company offering point-of-sale financing solutions.
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A European fintech firm providing innovative financing solutions.
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Monroe Capital85FintechChicago, United States$10.9BAsset management firm providing private credit solutions to businesses in the U.S. and Canada.
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Xsolla44FintechLos Angeles, United States$70.0MGlobal payment and monetization platform for video games, offering web shops, fraud prevention, and over 1,000 payment methods.
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PayPal77FintechSan Jose, United States$9.9BA global leader in digital payments, enabling individuals and businesses to send, receive, and manage money online.
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Creditas76FintechSão Paulo, Brazil$40.0MOnline platform for asset-backed consumer loans, offering secured credit with lower interest rates.
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A Moroccan fintech startup specializing in Buy Now, Pay Later (BNPL) solutions.
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PayPal Payments75FintechSan Jose, United States$1.7BGlobal digital payments platform facilitating transactions for consumers and merchants.
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SaaS platform for lending operations with vertical data and AI, offering a single API.
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Divergent Capital33FintechTel Aviv, Israel$1.0MHigh-yield alternative funder for SMBs using predictive algorithms and SaaS tools for brokers.
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Pagaya Investments70FintechNew York, United States$1.4BAI-powered network enabling financial institutions to expand customer access and scale lending.
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ASAAS70FintechSão Paulo, Brazil$102.0MASAAS automates financial processes and enhances customer relationships for businesses.
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Unit70FintechNew York, United States$169.6MFinancial infrastructure platform for tech companies to store, move, and lend money.
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Twelve55FintechNew York, United StatesGrow Now Pay Later solution for marketing budgets to fund customer acquisition.
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Chargebee69FintechChennai, India$303.0MSubscription management and recurring billing platform for SaaS and e-commerce businesses.
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BlueVine69FintechJersey City, United States$692.5MA financial technology company providing banking, lending, and payment solutions for small businesses.
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Sunbit68FintechSan Diego, United States$406.0MPoint-of-sale lending and a no-fee credit card for everyday expenses.
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Stripes AI68FintechSouth San Francisco, United States$25.4MFinancial infrastructure platform enabling businesses to accept payments and manage global operations.
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Block67FintechSan Francisco, USA$10.0MFinancial services and digital payments company.
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Mambu67FintechBerlin, Germany$443.8MThe composable, API-first cloud banking platform.
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StoneCo67FintechSão Paulo, Brazil$1.5BBrazilian fintech providing integrated financial and software solutions for merchants of all sizes.
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Global Payments66FintechAtlanta, United States$607.0MA global fintech company providing payment technology and software solutions to merchants, issuers, and consumers.
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Argon provides non-dilutive funding for SaaS companies based on their subscriber value.
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Upgrade65FintechSan Mateo, United States$871.0MConsumer credit and mobile banking platform offering personal loans, credit cards, and checking accounts.
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Clearco49FintechToronto, CanadaFinancial technology company providing revenue-based financing and growth capital to e-commerce businesses.
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Balance63FintechNew York, United States$86.5MFull-Stack AI Accounting for B2B payments and commerce.
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Pipe63FintechNew York, USA$16.0MEmbedded financial solutions for small businesses.
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Shift4 Europe62FintechAllentown, United States$160.0MCommerce enablement technology powering billions of transactions for businesses globally.
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Branch International62FintechSan Francisco, United States$615.0MA digital banking app offering instant loans, savings, and payments for underserved populations.
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M-KOPA62FintechLondon, United Kingdom$325.0MFintech platform providing affordable smartphones and digital financial services to 'Every Day Earners' in Sub-Saharan Africa.
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Ant International is the global arm of Ant Group, focused on expanding its digital payment and financial technology services worldwide.
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Pipecurve61FintechSan Francisco, United Kingdom$16.0MEmbedded capital platform providing working capital advances to small businesses.
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Younited61FintechParis, France$666.8MEuropean fintech providing instant consumer credit and payment solutions.
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Scalapay61FintechMilan, Italy$781.5MScalapay is a leading European buy-now-pay-later (BNPL) platform offering interest-free installment payments.
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Afterpay61FintechMelbourne, Australia$1.0BBuy Now, Pay Later service enabling interest-free installment payments for consumers.
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FinBox61FintechBengaluru, India$55.0MB2B credit infrastructure fintech enabling digital platforms to launch and scale credit products.
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JUMO World61FintechLondon, United Kingdom$227.0MFinancial services platform for emerging markets, enabling access to credit and payments.
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Lili61FintechNew York, United States$80.0MAll-in-one business banking, accounting, and tax platform for small businesses.
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Turbine.co60FintechNew York, United States$21.8MInvite-only liquidity solutions provider for venture fund investors (LPs).
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KreditBee60FintechBengaluru, India$71.5MIndian consumer lending startup
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Lama AI59FintechNew York, United States$9.0MAI-powered lending exchange connecting small businesses to bank-rated credit.
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Iyzico58FintechIstanbul, Turkey$30.6MOnline payment gateway and financial services provider for businesses in Turkey and emerging markets.
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Payflows58FintechParis, France$32.1MAI-powered finance operations platform that unifies procurement, treasury, AP/AR, and cashflow management for finance teams.
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Global financial technology provider for banks, credit unions, merchants, and businesses.
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Neon Pagamentos S.A.57FintechSão Paulo, Brazil$297.0MA Brazilian digital bank and financial services platform offering accounts, credit cards, and loans.