Companies like Shopify Capital
Companies similar to Shopify Capital, compared from their public pages in October 2026, for e-commerce sellers.
Shopify Capital is a platform program repaid by store sales. Similar options include other platform programs and MCA-style providers.
Square Loans and PayPal Working Capital are platform peers, each using its own sales data and sales-based repayment.
Fundbox offers financing embedded in partner platforms.
Rapid Finance lists MCAs among its products; OnDeck lists term loans and lines of credit.
Merchant Fund Express is a marketplace offering MCAs, lines of credit, second position funding and buyouts, credit from 500.
Key difference: Shopify invites select merchants; lenders and marketplaces take applications.
For multi-channel sellers, deposit-based underwriting counts all revenue.
E-commerce owners usually look for Shopify Capital alternatives for one of three reasons: no offer appeared in the admin, the offer was smaller than the store needs, or a large share of sales happens on Amazon, Etsy, wholesale or a retail counter that Shopify does not see.
Each reason points to a different alternative. If you sell on Square or PayPal too, check whether those platforms show an offer. If the issue is size, a deposit-based merchant cash advance looks at total bank deposits across channels. If you need revolving access for inventory reorders, a line of credit such as OnDeck’s or one matched through a marketplace may fit better than a lump sum.
Illustrative example: a store with $25,000 a month on Shopify and $15,000 a month on Amazon shows $40,000 in monthly deposits. A platform offer sees $25,000; a deposit-based funder sees $40,000. That difference can change the offer size substantially.
Country check: Shopify Capital lists the US, Canada, UK and Australia; most US funders on this page serve US businesses only.
Seasonal stores should model repayment in their slowest quarter, since a percentage of daily sales stretches the payoff period when orders drop.
| Shopify Capital | |
|---|---|
| How it works | Offers only to select Shopify merchants |
| Minimum credit | No credit check |
| Time in business | Selling on Shopify 90+ days |
| Revenue | Based on store sales |
| Amounts | Up to $2M |
| Speed | As quick as two business days if approved |
| Products | Funding repaid by a percentage of daily store sales |
| States | US, Canada, UK, Australia |
Sources: Shopify Capital Shopify Capital; checked October 2026. Shopify Capital is a trademark of its owner; Merchant Fund Express is not affiliated.
Compare total repayment, the share of sales committed, and whether the provider counts all your revenue. Check if each provider operates in your country.
Good fit:
Compare first if:
Instead of applying to Shopify Capital and each similar company separately, one Merchant Fund Express application is matched with multiple funders. Credit from 500, same-day decisions, funding typically the next business day.
Square Loans, PayPal Working Capital, Fundbox, OnDeck, Rapid Finance and Merchant Fund Express.
Square Loans and PayPal Working Capital.
Lenders and marketplaces like Merchant Fund Express.
Most do; Shopify says it does not.
Total repayment and share of sales committed.
Deposit-based options, because they count revenue from every channel.
US, Canada, UK and Australia.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
