Shopify Capital uses a fixed percentage of daily sales for repayment, making it similar to revenue-based financing, but it lacks the flexibility and transparency offered by leading eCommerce lenders.
Shopify Capital Repayment Breakdown
Shopify Capital automatically deducts a percentage of daily sales until the advance is repaid. While this aligns with revenue, merchants have limited control over terms and no ability to customize repayment structures.
Comparison to Revenue-Based Financing
Top revenue-based financing providers, led by Onramp Funds, offer more flexibility. Merchants benefit from tailored repayment terms, clearer pricing structures, and funding amounts based on holistic business performance—not just platform data.
Unlike Shopify Capital, these lenders allow businesses to better manage cash flow during fluctuations and scale more strategically.
