What financing options are available for a Shopify store owner?

Shopify Capital: the platform-native option

Shopify Capital is Shopify's built-in revenue-based financing product, available directly from the Shopify admin dashboard to eligible merchants. It underwrites using your Shopify store's transaction history — sales volume, consistency, refund rate, account standing — rather than a separate credit application. Repayment is collected as a fixed percentage of daily Shopify sales automatically. Shopify Capital is not a ClearValue Lending product; it's offered by Shopify to merchants already on its platform. Eligibility is invitation-based — Shopify surfaces the offer in your dashboard when you qualify.

Why Shopify merchants also need third-party financing

Shopify Capital has limitations: it's only available to merchants Shopify deems eligible, amounts are capped based on store revenue, and repayment is taken from all Shopify sales (reducing cash flow during repayment). Merchants scaling to larger inventory needs, adding a wholesale channel, buying warehouse space, or running large paid-acquisition campaigns often need financing beyond what Shopify Capital can provide.

Inventory financing

Shopify merchants who pre-purchase inventory from manufacturers or distributors — especially for seasonal Q4 or promotional builds — can use specialized ecommerce inventory financing. These facilities underwrite against your Shopify store's sales history and inventory turn rate. The loan funds a specific purchase order; repayment is tied to the sell-through of that inventory batch.

Working-capital lines

A revolving working-capital line gives a Shopify merchant flexibility to draw for ad-spend campaigns, repay from sales, and redraw for the next campaign cycle — without re-applying. This is particularly effective for merchants running Meta, Google, or TikTok ad campaigns where spend and revenue conversion are offset by 2–4 weeks.

SBA 7(a) for established Shopify merchants

Shopify merchants with 2+ years of consistent platform revenue, documented tax returns, and personal FICO 650+ can qualify for SBA 7(a). SBA 7(a) is appropriate for larger capital needs: warehouse buildout, equipment for in-house fulfillment, acquiring a complementary brand, or substantial working-capital infusion. Bank statements showing consistent Shopify deposit patterns are the primary underwriting document alongside tax returns.

Apply at ClearValue Lending

ClearValue Lending routes Shopify merchants to working-capital lenders, inventory financiers, and SBA-approved lenders in its network. Start an application to explore financing options matched to your store's revenue stage and capital need.