Shopify Capital loan for merchants in the United States

A Shopify Capital loan is a lump sum (called the loan amount) that you receive through Shopify Capital in return for a fixed borrowing cost. The loan amount plus the fixed borrowing cost is called the total owed. The loan amount is deposited into your business bank account, and then a percentage of your daily sales is repaid to Shopify Capital until the total owed is repaid. The total owed and daily repayment rate depend on your risk profile.

If your store is eligible to apply for a loan, then you'll receive an email from Shopify Capital and a message on the Home page of your Shopify admin. If you don't receive an email or message from Shopify Capital, then your store isn't currently eligible to apply for a loan.

Request a loan

You can view your funding options and apply for a loan directly from the Capital page of your Shopify admin.


  1. From your Shopify admin, go to Settings > Capital.

  2. Find the eligibility message from Shopify Capital, and then click View funding offers.

  3. On the Capital page, you'll see three funding options. Compare the terms of the funding options, and click Request beneath the one that you want.

  • The terms of each option will include the amount received, the total owed, and the daily repayment rate that will be deducted from your daily sales and repaid to Shopify Capital.
  1. If asked to do so, verify your identity and business details for Shopify Capital.

  2. In the Review loan terms and submit your application dialog, carefully review the terms, and then click Merchant Loan Agreement to open it in another browser tab.

  3. Carefully review the terms of the Merchant Loan Agreement. If you agree with the terms, then go back to the Review loan terms and submit your application dialog, and click Submit application.

You might be asked to re-verify your details for Shopify Capital, even if you have previously received funding through Shopify Capital. Your request will be reviewed, and you'll hear whether you've been approved within 1-3 business days. If you're approved, then your loan will be delivered to your business bank account.

Within two business days after you've received the loan, Shopify Capital will begin debiting the daily repayment from your business bank account based on your sales revenue each day.

Keep track of your loan repayments

After receiving your loan, you can track the remaining balance of your total owed from the Capital page of your Shopify admin under Shopify Capital.

From the Capital page, you can view the following repayment information:

  • The remaining balance of the total owed.
  • The amount of the total owed that has been repaid.
  • The transfer history of repayments.

In the transfer history section of the report, the Total sales column shows each day's sales revenue, and the Amount column shows how much of that revenue is repaid to Shopify Capital.

Repay the remaining balance

You can repay any amount over 20 USD against your loan, or the full remaining balance in one lump sum. The payment is debited from the same business bank account that's associated with your Shopify account.


  1. From your Shopify admin, go to Settings > Capital.

  2. Click Make a payment.

  3. Choose the amount that you want to pay:

  • To make a manual payment, enter the amount in the Custom amount field.
  • To pay the full amount, click Full remaining balance.
  1. Click Next step and review the amount to be repaid.

  2. Click Make a payment.

You will receive a confirmation email when your repayment is complete.

What's included in the repayment?

To calculate the amount that will be repaid to Shopify Capital each day, the daily repayment rate is applied to your store's daily sales revenue.

For the purpose of calculating repayment, your store's daily sales revenue includes every order that was marked as paid that day, regardless of the source of the order, how payment was processed, or whether the order was later refunded or canceled.

Excluding test orders from repayment

When calculating repayment, the only orders that are not included in your store's daily sales revenue are test orders that were placed when Shopify Payments was in test mode. If test mode was not enabled when an order was placed, then the order is included in your store's sales revenue when the day's repayment is calculated.

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