Shopify Capital

Holiday funding— ready when you are

Thrive during the busiest time of the year with fast funding through Shopify Capital. Apply now before the rush starts.

A smiling woman with curly hair sits on a stool, holding a teal ceramic mug. Dressed in a beige jumpsuit, she is surrounded by vibrant handmade pottery on a white wall and shelf. This image highlights her as a Shopify merchant in a creative workspace.

The Black Friday Cyber Monday countdown is on

Stock up on favorites

Keep popular products in stock to draw in both new and returning buyers.

Keep money rolling in

Increase your cash flow to seize every last-minute sales opportunity.

Boost your marketing

Ramp up your marketing efforts to engage more holiday buyers.

Add seasonal staff

Hire extra help to boost customer service and handle increased traffic.

A person's hands hold a smartphone, capturing a photo of vibrant yellow and white pottery arranged on a light blue background. The phone's screen displays the setup, showcasing a creative composition of mugs and a bottle. This image highlights the artistic process of a Shopify merchant.

How about 135% more sales?

Merchants who accepted funding through Shopify Capital during the Black Friday Cyber Monday season saw a 135% increase in gross merchandise value (GMV) over the following six months compared to those who didn't.*

Get the cash you need to move faster

Minimal paperwork

Easy application with no credit checks and no personal guarantee.

Fast deposits

Receive your funds in as quick as two business days, if approved.

One platform

Simplify your peak season operations by managing funds in your store admin.

Customized offers

Take control of your growth with offers based on your business performance.

Your money, your call

Invest in inventory, marketing, payroll, or what your business needs most.

Equity-free funding

Access funding while maintaining full ownership of your business.

How it works

A smartphone screen displaying a loan repayment summary. It shows an outstanding balance of 82,400, with 30,600 repaid, indicating 27% paid off. Details include a loan amount of $100,000 and a repayment rate of 17% of daily sales.

Apply today

Minimal paperwork, no credit checks

Spend with confidence

If approved, receive funds in as fast as 2 business days and spend them on your business as you see fit

Repay automatically

With a fixed percentage of your store’s daily sales

Join these businesses growing fast with Shopify Capital

Shopify Capital

Make it a record selling season

View your offers

Resources

Ways to use funding

Take a look at how businesses use funding to set themselves up for holiday success.

Reach all your goals

Find out how you can boost holiday sales with funding through Shopify Capital.

Help Center

Dive into the specifics of Shopify Capital, from eligibility to repayment.

  • Offers to apply do not guarantee funding. Shopify Capital loans are repaid based on a percentage of daily sales. The maximum repayment term is 18 months, and 2 minimum payments apply. The actual time period within which the loan is repaid may be less than 18 months.
  • *The statistic is based on Shopify Capital eligible shops who received funding through Shopify Capital during the 2022 BFCM period (July 1, 2022 and Nov 30, 2022). The analysis provides the median cumulative GMV performance of these shops in the following 6 months of funding (Dec. 1, 2022 through June 1, 2023). Based on internal Shopify data. Results may vary for every merchant.