Shopify publishes exactly two named minimum requirements for Shopify Capital: sell on Shopify for at least 90 days, and comply with Shopify's Acceptable Use Policy and Terms of Service. Everything else is decided by an automated model that Shopify does not expose. That is the honest version of this checklist, and it is shorter than most.
Almost every "Shopify Capital eligibility" list online quotes a minimum monthly revenue, a chargeback ceiling and a factor rate range. None of those numbers appear on Shopify's own Capital page. An earlier version of this page quoted them too. They have been removed rather than restated, because a plausible number with no source is worse than no number at all.
Everything below was read from shopify.com/capital and onrampfunds.com on 6 August 2026.
What Shopify actually publishes
| Question | What Shopify publishes |
|---|---|
| Minimum time selling | At least 90 days on Shopify |
| Minimum revenue | Not published |
| Chargeback ceiling | Not published |
| Countries | Select merchants in the US, Canada, UK and Australia |
| Credit check | None. Minimal paperwork, no credit checks and no guarantors |
| Maximum funding | Up to $2M, from real-time sales data |
| Cost | Not published as a rate or a range |
| Repayment | A fixed percentage of daily sales, only on days you sell |
| Maximum term | 18 months, with 2 minimum payments applying |
| Speed | As quick as two business days once approved |
The five minute check
Work through these in order. Only the first two are things Shopify has told you it requires.
- Have you sold on Shopify for at least 90 days? Below that, nothing else matters.
- Are you compliant with the Acceptable Use Policy and Terms of Service? This is the second published requirement and the one most sellers never check.
- Are you in the US, Canada, the UK or Australia? Capital is available to select merchants in those four countries only.
- Have you had an email or an admin notification? Shopify sends an email if you are eligible to apply, and a message appears on the admin home screen. If neither has arrived, the model has not prequalified you, and there is no way to submit an application to change that.
- Can you absorb a fixed percentage of daily sales for up to 18 months? That is the real question, and it is the one the checklist format usually skips.
How Shopify decides, in its own words
Eligibility is determined automatically by an underwriting model that uses machine learning to analyse data relating to your business, including your sales, disputes and customer engagement. Underwriting then runs in two stages: the model identifies whether your business may prequalify, and the Shopify Capital team reviews the application to determine whether you qualify for the requested amount.
Two consequences follow. First, an invitation to apply does not guarantee funding, which Shopify states directly. Second, because the inputs are sales, disputes and customer engagement rather than a published threshold, there is no target number to hit. Reducing disputes and keeping fulfilment tight is sound practice regardless, but nobody outside Shopify can tell you what score it produces.
On the application you supply 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 United States, all Shopify Capital funding is issued by WebBank.
What repayment actually costs you
Repayment is a fixed percentage of your store's daily sales, collected only on days you make sales. The maximum term is 18 months and 2 minimum payments apply. Shopify does not publish the percentage or the fee, so you will only see your own numbers in your own offer.
Model it before you accept. Export 60 days of daily sales, apply the remittance percentage from your offer, and then run the same model with sales down 20%. The point is not the headline cost, it is whether the daily deduction still leaves you able to buy inventory in a slow month. That is the number that decides whether funding helps or hurts.
Once you have repaid a certain percentage of a round, you may become eligible for another. Each round is a separate funding agreement.
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 of those outside options, and unlike Shopify Capital its criteria are published, which is the main reason it is worth comparing directly. It requires a legal US business entity, at least $10,000 in monthly sales and at least 6 months of selling history, and it runs no personal credit check. It supports Shopify alongside eight other platforms: Amazon, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe, which matters if Shopify is not your only channel.
The variable option repays as a share of sales, so the amount collected moves with revenue rather than against it. The rolling cash line is a revolving capacity that grows with sales and can be drawn as often as every two weeks. There is one transparent fee with no hidden costs, and no equity is taken.
Be clear about the trade: Onramp Funds publishes a $10,000 monthly floor and a 6 month history requirement, and Shopify publishes neither. 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 or read how underwriting works.
Frequently asked questions
What revenue do I need for Shopify Capital?
Shopify does not publish a revenue minimum. Any specific figure you have seen quoted, including on the earlier version of this page, was not sourced from Shopify. What Shopify does publish is a 90 day selling requirement and compliance with its policies, plus an automated model that weighs sales, disputes and customer engagement.
Can I apply for Shopify Capital directly?
Not without an offer. Shopify emails eligible merchants and shows a message on the admin home screen. If nothing has arrived, the prequalification model has not selected your store, and there is no separate application route.
Does Shopify Capital affect my personal credit?
Shopify states the application involves no credit checks and no guarantors, and that the personal information collected is not used for a credit check.
How fast is Shopify Capital?
Shopify publishes funding in as quick as two business days once approved. An earlier version of this page said one to three business days for approval and 24 to 48 hours for deposit. Those figures were not Shopify's.
Does repaying early save me money?
Shopify does not publish an early repayment discount, and does not publish its fee structure at all, so the honest answer is that your funding agreement is the only place to check. Read it before accepting rather than after.
What if my sales fall?
Repayment is a percentage of daily sales collected only on days you sell, so the amount taken falls with revenue. The maximum term is 18 months and 2 minimum payments apply, so it is not entirely open ended. Your agreement will state how those minimums work for your offer.
Shopify Capital details on this page were read from shopify.com/capital on 6 August 2026, and Onramp Funds details from onrampfunds.com on the same date. Terms change without notice, so confirm current details before applying.
