Updated October 2026
To be considered for Shopify Capital, your store must be actively subscribed to a Shopify plan and operational for at least three months, based in a supported country with a matching store currency and local bank account, and in compliance with Shopify's Terms of Service. Shopify Capital is invitation based: eligibility is evaluated automatically, and if you have not received an offer by email or on the Finance page of your Shopify admin, you cannot apply. Shopify does not publish a minimum revenue figure.
The checklist below uses only what Shopify states in its Help Center and on shopify.com/capital. Where Shopify does not publish a number, this page says so rather than filling the gap with an estimate.
The five minute checklist
Work through these in order. If any answer is no, you are unlikely to see an offer.
- Is your store on an active Shopify plan and operational for at least three months? Shopify's Help Center says the store must be actively subscribed to a Shopify plan and either operational for at least three months or have made its first sale more than three months ago.
- Is your business in a supported country? The Help Center lists Australia, Canada, France, Germany, Ireland, the Netherlands, Spain, the United Kingdom and the United States. Your store currency must match that country, and your bank account must be in the country where the business is located.
- Is your business entity supported? Shopify says businesses operating as trusts or partnerships are not supported.
- Do you process payments through Shopify Payments or an approved third-party provider? In some locations Shopify Payments may be required. For US funding, the account representative on your Shopify Payments account must personally live in the United States.
- Are you compliant with Shopify's Terms of Service and product rules? Certain industries are excluded, including cannabis and drug paraphernalia, regardless of local legal status.
- Is your store free of a Shopify Exchange listing or recent sale? Stores listed or recently sold on Shopify Exchange are not eligible.
- Have you received an offer? Eligible stores get an email from Shopify Capital and a message on the Finance page of the Shopify admin. If neither has arrived, your store is currently not eligible to apply, and there is no separate application route.
What Shopify publishes, and what it does not
| Question | What Shopify publishes |
|---|---|
| Minimum time selling | Active Shopify plan and operational for at least three months, or first sale more than three months ago |
| Minimum revenue | Not published |
| Chargeback ceiling | Not published |
| How you apply | By invitation only. An offer appears by email and on the Finance page of your admin |
| Product in the US | Loans, issued by WebBank |
| Product in the UK, Ireland, the Netherlands and Spain | Merchant cash advance |
| Personal credit | Shopify states that applying has no impact on your personal credit score |
| Maximum funding | Up to $2M, based on your sales |
| Cost | Not published as a rate or a range |
| Repayment | A percentage of daily sales, with no payment on days without sales |
| Maximum term | 18 months. New US loans have minimum payments of 30% of the total by month 6 and 60% by month 12 |
| Speed | Applications are usually reviewed in 1 to 3 business days. Funding can arrive in as quick as two business days, if approved |
How Shopify decides
Eligibility is evaluated automatically and continually, so it can change from month to month. The factors Shopify lists in its Help Center are:
- Sales performance, including sales volume, how often you have sales days, order count and shipped orders
- Customer engagement and ongoing activity on the Shopify platform
- Chargebacks, disputes and how often orders are returned
- Payment history, including failed debits and timely payment for Shopify services
- Any active reserve on your Shopify Payments account
- Compliance with Shopify's Terms of Service and other agreements
Underwriting then runs in two stages. The model identifies whether your business may prequalify, and the Shopify Capital team reviews your application to decide whether you qualify for the amount you requested. Shopify states that an offer to apply does not guarantee funding, and that the review may lower the amount or decline the application.
Because Shopify does not publish thresholds for these factors, there is no target number to hit. The practical steps are the ones the list points to: keep disputes and returns low, ship orders promptly, sell consistently rather than in occasional spikes, pay your Shopify bills on time and keep your account in good standing.
What you provide when you apply
Only the store owner can apply. Shopify asks for basic information about your business and yourself, typically an employer identification number or other business identifier, contact details, birth dates, addresses and the social security numbers of primary owners and management. Shopify states that this information is not used for a credit check. In the US you also verify your identity and business details and review the loan agreement before submitting.
What repayment actually costs you
Repayment is a percentage of your daily sales, taken only on days you make sales. The maximum term for new loans is 18 months, and new US loans must reach 30% of the total repaid by month 6 and 60% by month 12. Shopify does not publish the percentage or the fee, so you will only see your own numbers in your own offer. Shopify's US Help Center also states that, on a fixed-fee loan, paying in full early does not change the cost of funds.
Model it before you accept. Export 60 days of daily sales, apply the percentage from your offer, and then run the same model with sales down by a fifth. The question is whether the daily deduction still leaves enough to buy inventory in a slow month, and whether you would still reach the 6 and 12 month minimums.
If Shopify has not made you an offer
There is no appeal and no application queue, so the practical options are to keep trading and wait for the model to reassess, or to look outside the Shopify admin.
Onramp Funds is one outside option, and its criteria are published. You need a legal US business entity, $10,000 average monthly sales and six months of selling history. There is no personal credit check to see your offer. Onramp Funds connects Shopify alongside other sales channels, including Amazon, Walmart, TikTok Shop and eBay (US sellers), and the advance is sized to your combined sales, stated in your offer.
Repayment options are a share of daily sales, a fixed schedule over 1 to 12 months, or a rolling cash line. The fee is as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, and longer terms cost more. Subject to credit eligibility, and rates and terms may vary. Funds typically arrive in one to two business days.
| Requirement | Onramp Funds | Shopify Capital |
|---|---|---|
| How you apply | Apply directly by connecting your sales channels | By invitation, from an offer in your admin |
| Time selling | Six months of selling history | At least three months on an active Shopify plan |
| Revenue | $10,000 average monthly sales | Not published |
| Business | Legal US business entity | Supported country, trusts and partnerships not supported |
| Sales counted | Combined sales across connected channels | Sales associated with your Shopify account |
Be clear about the trade. Onramp Funds publishes a $10,000 monthly floor and a six month history requirement, and Shopify publishes no revenue floor. A store below those thresholds is not better served here. It is a different set of criteria, not a looser one.
See the funding structures, read how underwriting works, or compare Shopify Capital with other ecommerce funding options.
Frequently asked questions
What revenue do I need for Shopify Capital?
Shopify does not publish a revenue minimum. Sales volume, sales-day frequency, order count and shipped orders are among the factors its model weighs, but any specific revenue threshold you see quoted elsewhere does not come from Shopify.
How long does my store need to be open?
Shopify's Help Center says the store must be on an active Shopify plan and operational for at least three months, or have made its first sale more than three months ago. Meeting that does not guarantee an offer.
Can I apply for Shopify Capital directly?
Not without an offer. Shopify emails eligible merchants and shows a message on the Finance page of the admin. If nothing has arrived, your store is currently not eligible to apply.
Do I need Shopify Payments?
Shopify says stores must use Shopify Payments or an approved third-party provider, and that in some locations Shopify Payments may be required.
Does Shopify Capital affect my personal credit?
Shopify states that applying has no impact on your personal credit score, and that the personal information it collects is not used for a credit check.
How fast is Shopify Capital?
Shopify says applications are usually reviewed in 1 to 3 business days, and that funding can arrive in as quick as two business days if approved.
Does repaying early save me money?
On a fixed-fee loan, Shopify's US Help Center states that paying in full does not change the cost of funds. On a monthly-fee loan, repaying faster means fewer monthly fees. Check your own agreement before accepting.
What if my sales fall?
Repayment is a percentage of daily sales taken only on days you sell, so the amount collected falls with revenue. New US loans still have minimum payment checkpoints at 6 and 12 months and an 18 month maximum term, so slower sales do not extend repayment indefinitely.
What do I need to qualify for Onramp Funds?
A legal US business entity, $10,000 average monthly sales and six months of selling history. There is no personal credit check to see your offer.
Shopify Capital details on this page were read from help.shopify.com and shopify.com/capital on 23 October 2026. Terms change without notice, so confirm current details in your Shopify admin before applying.
Onramp Funds
Funding built around your sales
Connect your store and see what you qualify for. Repay as a percentage of sales, with no personal credit check.
Funding in as little as 24 hours.
