Revenue-based financing for Shopify sellers
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ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
E-commerce startups using Shopify with a few months of platform sales
Shopify Capital — Revenue-based financing for Shopify sellers Best for: E-commerce startups using Shopify with a few months of platform sales. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Shopify Capital provides revenue-based financing to businesses that sell on Shopify. Shopify analyzes your store's sales history and, if you qualify, presents an offer — advance amount, total repayment amount, and daily repayment percentage. There's no separate credit application; Shopify uses your platform data directly. Funding typically arrives within 1–3 business days for eligible sellers. Verify current eligibility and offer terms at shopify.com/capital.
Shopify Capital uses a revenue-based repayment model: a fixed percentage of your daily Shopify sales is automatically remitted to Shopify until you repay the total owed (advance + fixed fee). There is no fixed monthly payment or repayment deadline — higher-revenue days repay faster, slower days repay less. The total repayment obligation is fixed upfront at the time of the offer.
Shopify Capital charges a factor rate — a multiplier on the advance amount (for example, 1.15 means a $10,000 advance costs $11,500 total to repay). Converting factor rate to APR requires knowing how quickly you'll repay, since APR is time-dependent. A 60-day repayment at the same factor rate carries a much higher annualized cost than a 12-month repayment. Use the factor-rate-to-APR calculator linked on this page to model your specific advance before accepting an offer.
No. ClearValue Lending is a small business funding platform, not Shopify or a Shopify partner. This review presents editorial information about Shopify Capital's publicly disclosed product features. Shopify Capital terms, advance amounts, factor rates, and eligibility are determined by Shopify — verify current details at shopify.com/capital.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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