Shopify Capital requirements
Shopify Capital requirements per Shopify’s Capital page, checked October 2026: selling on Shopify 90+ days, offers based on store sales, no credit check, select merchants only.
Shopify invites merchants rather than taking open applications, so “requirements” really describe who tends to receive offers.
| 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.
History: 90+ days selling on Shopify.
Sales: offers are based on store sales; consistent order volume matters.
Credit: Shopify says there is no credit check.
Location: US, Canada, UK and Australia.
Amount: up to $2M, scaled to store sales.
If no offer appears, building steady sales history on Shopify is the main lever.
Why Shopify uses invitations instead of a credit floor: Shopify already sees your order history, refunds, seasonality and growth inside the platform, so it can size an offer without asking for bank statements or pulling credit. The trade-off is control. You cannot request a specific amount or apply when you want; you wait for an offer and accept, decline or let it expire.
Illustrative self-check: a store that has sold on Shopify for eight months with fairly steady weekly orders is the kind of account Shopify describes as eligible to receive offers. A store with three strong holiday weeks and little else may see a smaller offer or none, because repayment comes from a percentage of daily store sales and thin months slow it down.
What to have ready if you compare elsewhere: three to six months of business bank statements showing all deposits, including marketplace payouts and wholesale income that never touches Shopify, plus a list of any current advances. Deposit-based funders count that revenue, which can matter for stores that sell on several channels.
Stores just past 90 days should expect smaller first offers that can grow with more sales history.
Merchants without an offer can compare deposit-based providers. Merchant Fund Express publishes a 500 credit minimum and offers MCAs, lines of credit, second position funding and buyouts.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from Shopify Capital’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
90+ days selling on Shopify; offers based on store sales.
Shopify says no.
Offers go to select merchants; there is no open application.
US, Canada, UK and Australia.
Compare deposit-based providers; Merchant Fund Express starts at 500 credit.
Steady sales on Shopify over time is the main factor Shopify describes; there is no application to improve.
Offers are based on Shopify store sales, so other channels are not reflected.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
