Provider profile · 2026 edition
Shopify Capital review 2026: scores, fees and alternatives.
Financing offered to stores on Shopify, as loans in five countries and cash advances in four.
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Financing offered to stores on Shopify, as loans in five countries and cash advances in four.
Shopify Capital scores 1.1 out of 5 (23 out of 100) in the Buckingham Intelligence Revenue-Based and Working Capital Finance Index 2026 and ranks 12 of 12. It is strongest for shopify merchants in nine countries, and its best criterion is product range at 3 out of 5. Not published or not stated on the pages read: pricing and limits, published pricing and published eligibility.
Scores from the Revenue-Based and Working Capital Finance Index 2026.
No award in the Revenue-Based and Working Capital Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For online and retail brands | 24 | 12 of 12 |
| For software and subscription firms | 19 | 12 of 12 |
| For small businesses and merchants | 27 | 12 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Shopify merchants in nine countries.
What Shopify Capital publishes on its own pages, read on 26 October 2026.
Financing offered to stores on Shopify, as loans in five countries and cash advances in four. It publishes the countries, the product in each country, a three-month trading rule and the US lending bank. It publishes no prices, amounts, funding times or borrower terms on the pages read.
| Fact | What the provider publishes |
|---|---|
| Products | "Shopify Capital offers merchant cash advances and loans to eligible businesses." |
| Countries | Loans in Australia, Canada, France, Germany and the United States; merchant cash advance in Ireland, the Netherlands, Spain and the United Kingdom. |
| Eligibility | "Your store must be actively subscribed to a Shopify plan and operational for at least three months"; trusts and partnerships not supported. |
| Repayment | Repayments withdrawn from the bank account that receives Shopify Payments payouts; "Typically, debits are processed within 2 business days". |
| Lender | "All funding through Shopify Capital in the United States is issued by WebBank." |
| Pricing and limits | Not published on the help pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: help.shopify.com/manual/finances/shopify-capital, help.shopify.com/en/manual/finance/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Clearco | 3.4 | 1 of 12 | US online brands with over $100,000 monthly revenue wanting clear borrower terms |
| iwoca | 3.1 | 2 of 12 | UK limited companies wanting a representative APR and money within hours |
| Bluevine | 3.0 | 3 of 12 | US companies with 12 months' trading wanting a line of credit next to a business account |
| Liberis | 2.9 | 4 of 12 | UK merchants wanting a published representative cost and a range of advance sizes |
| Wayflyer | 2.6 | 5 of 12 | Online and retail brands in 11 countries wanting a single fixed fee |
| Stripe Capital | 2.5 | 6 of 12 | Businesses already processing payments on Stripe in six countries |
| Lighter Capital | 2.2 | 7 of 12 | Software and technology firms in the US, Canada and Australia with $200,000 or more recurring revenue |
| Founderpath | 2.1 | 8 of 12 | Software firms with $1m to $3m recurring revenue wanting money within a day |
| Funding Societies | 1.9 | 9 of 12 | Small firms in Singapore and South East Asia wanting a range of unsecured loans |
| Capchase | 1.9 | 10 of 12 | Software and subscription firms wanting a revolving limit tied to recurring revenue |
| Fundbox | 1.4 | 11 of 12 | Platforms and small businesses in four countries wanting the widest product range |
Full Revenue-Based and Working Capital Finance Index ranking
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Shopify Capital is compared with its alternatives in the table above.
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