Shopify Capital publishes far less about itself than most guides claim. No fee schedule. No factor rate range. No revenue minimum. No repayment percentage.
Shopify Capital details below were rechecked on shopify.com/capital and Shopify's Help Center on October 15, 2026. Third-party details come from each provider's own website. Where Shopify publishes nothing, this page says so instead of filling the gap.
Shopify Capital: what Shopify actually publishes
| Feature | What Shopify states |
|---|---|
| Maximum funding | Up to $2M, from real-time sales data |
| Speed | As quick as two business days once approved |
| Repayment | A fixed percentage of daily sales, only on days you sell |
| Maximum term | 18 months, with 2 minimum payments applying |
| Countries | Select merchants in the US, Canada, UK and Australia. The Help Center eligibility page also lists France, Germany, Ireland, the Netherlands and Spain |
| Lender of record (US) | WebBank |
| Uses | Inventory, marketing, operations, payroll |
What Shopify does not publish
| Commonly quoted elsewhere | What Shopify actually publishes |
|---|---|
| A higher maximum funding figure | Up to $2M |
| A factor rate range | No range. The Help Center gives worked examples only: a 13% fixed fee or a $1,400 monthly fee on $100,000 |
| A specific percentage of daily sales | Only that it is a fixed percentage |
| A total-funding-distributed statistic | Nothing on the Capital page |
| A minimum revenue threshold | None published |
Eligibility, as published
| Requirement | Detail |
|---|---|
| Time selling | At least 90 days on Shopify |
| Policy | Comply with the Acceptable Use Policy and Terms of Service |
| Location | Select merchants in the US, Canada, UK, Australia, plus France, Germany, Ireland, the Netherlands and Spain per the Help Center |
| Currency | Store currency must match the country (USD for US stores), per the Help Center |
| Revenue minimum | None published |
| Chargeback threshold | None published |
| Credit check | None. No credit checks and no guarantors |
How the decision is actually made
| Stage | What happens |
|---|---|
| Prequalification | A machine learning model analyzes sales, disputes and customer engagement |
| Review | The Shopify Capital team reviews the application against the requested amount |
| Notification | Email plus a message on the admin home screen |
| Outcome | An invitation to apply does not guarantee funding |
Because the inputs are sales, disputes and customer engagement rather than a published threshold, there is no number to hit. You cannot apply your way in, and no guide can tell you your odds.
Repayment mechanics
| Question | Published answer |
|---|---|
| How is it collected? | A fixed percentage of daily sales, only on days you sell |
| What is the percentage? | Not published |
| What is the fee? | Set in your offer. The Help Center's US examples are a 13% fixed fee or a $1,400 monthly fee on $100,000 |
| How long can it run? | A maximum of 18 months |
| Are there minimums? | Yes. In the US, 30% of the total by month 6 and 60% by month 12 |
| Can I get another round? | Possibly, once a certain percentage is repaid, under a separate agreement |
Model your own offer before accepting it. Export 60 days of daily sales, apply the remittance percentage from your offer document, then rerun it with sales down 20%. That tells you whether the deduction still leaves you able to buy stock in a slow month.
Video: Shopify finance and cash flow tools
If Shopify has not made you an offer
There is no application queue, so the practical options are to keep trading or to look outside the admin. These four all work with Shopify sellers.
| Provider | Published range | Structure |
|---|---|---|
| Onramp Funds | Sized to your combined sales, stated in your offer | Variable, fixed, or a rolling cash line across nine platforms |
| Wayflyer | Not published | One fee shown before you accept, repaid biweekly or monthly |
| Clearco | Up to $10 million | Four named structures: rolling funding capacity, cash advance, fixed funding capacity and invoice funding |
| Settle | $20K to $15M | Purchase orders and supplier payment terms |
The published minimums, side by side
| Provider | Minimum | Personal credit |
|---|---|---|
| Onramp Funds | $10,000 average monthly sales, 6+ months selling history, US entity | No personal credit check to see an offer |
| Shopify Capital | 90 days on Shopify, policy compliance | No credit checks, no guarantors |
| Clearco | 6+ months above $100,000 per month, physical products | No personal guarantees |
| Wayflyer | $10,000 average monthly revenue over the preceding 6 months, 6+ months trading | Not published |
| Settle | Not published | Not published |
Onramp Funds requires a legal US business entity, at least $10,000 in average monthly sales and at least 6 months of selling history, with no personal credit check to see an offer. It supports Shopify alongside eight other platforms: Amazon, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe, which is the relevant difference if Shopify is not your only channel. The variable option repays as a share of sales that moves with revenue, the fixed option repays weekly or every two weeks over one to twelve months, and the rolling cash line is a revolving capacity that grows with sales. There is one transparent fee with no hidden costs and no equity is taken.
On the standard this page applies to Shopify, Onramp Funds publishes its cost: a fee as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, longer terms cost more. Subject to credit eligibility; rates and terms may vary.
It does not publish a maximum funding amount. Offers are sized to your combined sales and stated in your offer. Funds typically arrive in one to two business days.
What each one discloses about cost
| Provider | Cost disclosure |
|---|---|
| Onramp Funds | A fee as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, longer terms cost more. Subject to credit eligibility; rates and terms may vary. |
| Shopify Capital | No rate. The Help Center gives worked examples only |
| Wayflyer | One fee shown before you accept. Its own example is a $7,200 fee on $100,000 |
| Clearco | Rates based on business performance, no figure published |
| Settle | Nothing beyond the funding range |
Onramp Funds publishes a starting fee, and Wayflyer and Shopify publish worked examples. The rest publish a shape at best. Ask all of them the same question in writing anyway: the total amount repayable on a specific funding amount, over a specific period. That is comparable across a factor rate, a flat fee and a bank margin. A rate is not, and neither is a fee band on its own.
FAQs
How much can I get from Shopify Capital?
Shopify publishes offers up to $2M, generated from real-time sales data. Guides quoting a higher ceiling are not using Shopify's published figure.
What does Shopify Capital cost?
Shopify publishes no fee schedule or factor rate range. Its US Help Center gives worked examples only: a 13% fixed fee, or a $1,400 monthly fee, on $100,000. Your own offer document is the only place your number exists.
Does any Shopify funding option publish its cost?
Onramp Funds publishes a fee as low as 9% of the funded amount ($4,500 on $50,000), flat, disclosed upfront, non-compounding, longer terms cost more. Subject to credit eligibility; rates and terms may vary. Wayflyer publishes a worked example, a $7,200 fee on $100,000, and Shopify's Help Center gives worked examples only. Clearco and Settle publish a structure rather than a number.
What revenue do I need to qualify?
Shopify publishes no revenue minimum. The two requirements on shopify.com/capital are 90 days selling on Shopify and compliance with the Acceptable Use Policy and Terms of Service, plus an automated model that weighs sales, disputes and customer engagement.
Can I apply directly for Shopify Capital?
No. Shopify emails eligible merchants and shows a message on the admin home screen. An invitation to apply does not guarantee funding, and there is no separate application route.
Does it 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. In the United States, the funding is issued by WebBank.
What if I am never offered funding?
Keep trading and let the model reassess, or approach a third-party provider directly. Onramp Funds, Wayflyer, Clearco and Settle all work with Shopify sellers, and unlike Shopify Capital you can approach them rather than waiting to be selected.
Shopify Capital details were rechecked on shopify.com/capital and Shopify's Help Center, and provider details on each provider's own website, on October 15, 2026. Terms change without notice, so confirm current figures before applying.
Related Blog Posts
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.
