Shopify Lending
Not your traditional finance partner
Accelerate growth and unlock new opportunities with the only lending solution that has a 360° understanding of your business.
Check eligibilityDon’t have a Shopify store? Start for free, then get your first 1 months for $1/mo.
Powering growth at every stage
Nach allen geschäften taugt das geschäft insgesamt in umlauf gebracht werden 5.1B und +
to businesses on Shopify
Up to $5M offers
if eligible,1 with options to renew
0% equity
no stake taken—period
Available in select countries. Offers to apply do not guarantee financing. All financing through Shopify Lending, including Shopify Capital and Line of Credit products, is issued by WebBank in the United States.
Shopify Capital for small business
Founder-friendly capital
Put your money to work, fast. Stock up on inventory, invest in paid marketing, hire experts, launch a new product—anything for your business.
If approved, receive funds in as quick as two days
Automated payments as a percent of daily sales2
Top-up early with options to renew
Apply 100% online, no hard credit checks
Lending for large retailers
Financing solutions to scale
Business financing made for commerce
Leveraging machine learning to analyze data about your business, Shopify is the only lending solution that will reach out the moment you’re eligible for financing.
Financing solutions, fully integrated with your business
From scaling entrepreneurs to global brands, get access to working capital that understands your business.
OPTIMIZE YOUR CASH FLOW
Line of Credit
Stay focused on growth with a revolving credit line. Draw funds at any time, only pay interest on what you use, and replenish as you go.
GET FAST FUNDING AND PAY AS YOU SELL
Capital Loans and Cash Advances
Simplify business lending with flexible, predictable financing. Automatically repay from a percentage of your daily sales.2
Our $1M in marketing spend generated over $11M in sales today. Plus, we have a 60% repeat purchase rate with all customers.
- Porter Road
- Chris Carter — Co-Founder & CEO
- Read the case study
Shopify Capital provided the cashflow to create top-selling products and build inventory. It's an invaluable resource.
- ChocZero
- Rhea Monique — Chief Growth Officer
Shopify Capital seamlessly integrates into our dashboard, it's like they read our minds—fast, simple, and no fuss!
- Harvey Industries
- Rayson Esquejo — Executive Vice President
Find the lending solution that’s right for your business
Business lending, simplified
Discover
Take advantage of the only lending solution fully integrated with your business. Choose financing that fits your needs.
Apply
Select or customize loan amounts and submit required financial documents. Online, minimal paperwork, and hassle-free.
Spend
If approved, use financing to optimize your cash flow, plan for growth, inventory, marketing, retail expansion, and more.
Resources
Funding guide
Explore Shopify Lending and choose a financing solution right for your business.
Cash flow calculator
Get a full understanding of your business cash flow in five minutes or less.
Support
Learn more about Shopify Lending solutions and products.
Frequently asked questions
Available in select countries. Offers to apply do not guarantee financing. All financing through Shopify Lending, including Shopify Capital and Line of Credit products, is issued by WebBank in the United States. Financing through Shopify Capital is either in the form of a merchant cash advance (MCA) or loan depending on location. In the United Kingdom, MCAs are issued by YouLend.
- 1Amounts presented are in USD. Offers for eligible merchants are made in their local currency.
- 2Shopify Capital loans must be paid in full within 18 months, and two minimum payments apply within the first two 6 month periods.
- 3Actual term may vary slightly depending on the timing of each withdrawal. Term and payment schedule reset with each additional withdrawal.
- 4A minimum amount may apply to receive a dedicated funding advisor.