Shopify Capital publishes far less about itself than most guides claim. No fee. No factor rate. No revenue minimum. No repayment percentage. An earlier version of this page carried all four, plus a maximum funding figure roughly two and a half times the published one.
Everything below was read from shopify.com/capital and from each third-party provider's own website on 6 August 2026. Where Shopify publishes nothing, this page says so instead of filling the gap.
Shopify Capital: what Shopify actually publishes
What Shopify does not publish
Every item in the left column appeared on the previous version of this page. The figures have been removed rather than restated with better ones, because there are no better ones to state.
Eligibility, as published
How the decision is actually made
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
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.
The published minimums, side by side
Onramp Funds requires a legal US business entity, at least $10,000 in monthly sales and at least 6 months of selling history, with no personal credit check. 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 does better on the question that matters most. It publishes its cost: you repay the funded amount along with a flat fee, typically ranging between 2 and 8%, remitted as a percentage of your daily sales as low as 1%, with no monthly minimums or fixed payments. An earlier version of this page said no fee figure was published. That was wrong and has been corrected.
Two things it still does not publish, and this page will not invent them: a maximum funding amount, and a funding speed.
What each one discloses about cost
One provider on this page publishes an actual number and 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, including an earlier version of this page, are not using Shopify's published figure.
What does Shopify Capital cost?
Shopify publishes no fee and no factor rate. Any specific figure you have seen quoted was not sourced from Shopify. Your own offer document is the only place the number exists.
Does any Shopify funding option publish its cost?
Of the options on this page, only Onramp Funds does: a flat fee typically ranging between 2 and 8%, remitted as a percentage of daily sales as low as 1%, with no monthly minimums. Shopify Capital publishes nothing on cost, and Wayflyer, Clearco, Settle and Fundbox each publish a structure rather than a number.
What revenue do I need to qualify?
Shopify publishes no revenue minimum. The two published requirements 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, Settle and Fundbox all work with Shopify sellers, and unlike Shopify Capital you can approach them rather than waiting to be selected.
Details were read from shopify.com/capital and from each provider's own website on 6 August 2026. Terms change without notice, so confirm current figures before applying.
