Shopify Cash Advance for Ecommerce Businesses

Shopify Cash Advance for Ecommerce Businesses can be a game-changer for businesses struggling with cash flow. It provides access to funds up to $100,000 with a 1% weekly fee.

With Shopify Cash Advance, you can get the money you need to grow your business, cover unexpected expenses, or manage your finances more effectively. This can help you stay on top of your finances and make smart business decisions.

The application process is relatively straightforward, taking just a few minutes to complete. This makes it easy to get the cash advance you need without a lot of hassle.

A Shopify cash advance is a form of financing where Shopify purchases a portion of your future sales.

The lump sum provided upfront is repaid through a fixed percentage of your daily sales until the total amount, plus a fee, is repaid. This means if Shopify advances you $5,000, you might have to repay $5,650.

The repayment rate might be 10% of your daily sales, which can result in higher repayments on good sales days and lower ones when sales are slow.

There is no fixed repayment deadline, providing flexibility for businesses with fluctuating revenue.

Here's a breakdown of how repayment works:

As of 2025, merchant cash advances are available throughout the entire United States, as well as in parts of Canada, the United Kingdom, and Australia.

Eligibility for Shopify Capital is primarily determined based on your store's performance metrics, including sales revenue, store age, and overall engagement with the Shopify platform.

Shopify automatically determines eligibility based on factors like your store’s sales history, payment processing volume, and overall store performance. Eligible stores will receive an invitation or a message indicating that they qualify for a loan or cash advance.

To check if you're eligible for Shopify Capital, first, log in to your Shopify admin dashboard and head to 'Settings' and click 'Capital.' If Shopify Capital isn't available in your region, you won't see the Capital settings option. If you're eligible and live in the right region, you will see an invitation or a message indicating that you qualify for a loan or cash advance.

Eligibility requires an active online store hosted on the Shopify platform for at least 90 days, a consistent track record of revenue demonstrating your business’s stability and growth potential, and a proven track record that positions your business as stable and unlikely to fail.

Shopify Capital favors stores with at least a few months of sales history and higher sales volumes further increase your chances of approval. You must also be able to repay the funding and comply with Shopify's Acceptable Use Policy and Terms of Service.

Here are the minimum requirements for Shopify Capital:

If you're eligible, you can view and apply for available funding options directly from your Shopify admin dashboard. The application process requires reviewing available funding offers and submitting a request for the desired amount.

Approval typically takes 1-3 business days, although it may take longer in some cases. Once approved, the money is typically disbursed within 2-5 business days.

Shopify Capital offers two main types of financing options: Merchant Cash Advance and Loans. Both options provide a lump sum payment with a fixed borrowing cost.

The key difference between these options is the repayment term. Merchant Cash Advance comes with no fixed term, whereas Loans need to be repaid within 12 months.

Here's a breakdown of the two options:

Shopify Capital offers two main types of financing options: merchant cash advances and loans.

Both options work similarly, providing a lump sum payment with a fixed borrowing cost that's paid back as a percentage of sales.

Merchant cash advances come with no fixed term, whereas loans need to be repaid within 12 months, although this period was extended to 18 months in 2024.

Merchant cash advances are available throughout the entire United States, as well as in parts of Canada, the United Kingdom, and Australia, as of 2025.

Merchant loans are only available in a few states in the US, as of 2025.

Here's a summary of the two options:

A merchant cash advance is a type of financing where Shopify purchases a portion of your future sales. You'll receive a lump sum upfront, which you'll repay through a fixed percentage of your daily sales until the total amount, plus a fee, is repaid.

The repayment rate can vary, but it's typically set by Shopify as part of the terms of your cash advance. For example, if you receive $5,000, you might have to repay $5,650, with a repayment rate of 10% of your daily sales.

One of the benefits of a merchant cash advance is that there is no fixed repayment deadline, providing flexibility for businesses with fluctuating revenue. This means that higher repayments will be made on good sales days, and lower ones when sales are slow.

Here's an example of how a merchant cash advance works:

You can also choose to pay the remaining balance in one lump sum after you've repaid at least 25% of the total value of the cash advance.

In the United States, merchant cash advances are available throughout the entire country, as well as in parts of Canada, the United Kingdom, and Australia.

Shopify cash advances are a straightforward way to get funding for your business. You can receive a lump sum upfront, which is then repaid through a fixed percentage of your daily sales.

The repayment process is automatic and adapts to your daily sales volume. If you have a good sales day, you'll pay more, and if sales are slow, you'll pay less. This means there's no fixed repayment deadline, providing flexibility for businesses with fluctuating revenue.

The repayment rate is set by Shopify, and it's usually a percentage of your daily sales. For example, if you receive a $5,000 cash advance with a 10% repayment rate, you'll pay $500 every day until the total amount is repaid.

You can track your repayment progress through the Shopify Capital section in your admin panel. It will show the amount repaid and the remaining balance.

The repayment structure is flexible, but a portion of your sales will always go towards paying the Shopify Capital loan. If you already have tight profit margins, it can seriously affect your bottom line.

Here's a breakdown of the repayment terms:

Keep in mind that the repayment period can vary depending on the type of cash advance you receive. For example, merchant cash advances can be repaid within 12 months, while merchant loans must be repaid within 18 months.

The application and approval process for Shopify Cash Advance is relatively straightforward. You'll receive an email and notification on your admin dashboard if you're eligible.

To apply, simply navigate to the Capital section of your Shopify admin and review the available funding offers. You'll typically receive three options, and you can choose the one that best suits your needs.

Approval typically takes 1-3 business days, although it may take longer in some cases. If your request is approved, the loan amount will be transferred to your business bank account within a few business days.

Here are the key steps in the application and approval process:

It's worth noting that receiving an offer does not guarantee acceptance. The offers are contingent on meeting pre-qualification requirements, and you may be required to supply extra information to validate your company.

If you are authorized and accept the offer, the money is typically disbursed within 2-5 business days.

Shopify Capital offers several benefits that make it an attractive option for businesses in need of a cash advance. The application and approval process is swift and integrated directly into your Shopify admin panel.

One of the primary advantages of Shopify Capital is that it integrates a finance platform with your eCommerce website, providing a seamless experience. This is especially true since the corporation already has your information, making the application process a breeze.

Repayments are also a percentage of daily sales, which means payment amounts vary according to your daily revenue. This flexible repayment option can be beneficial for businesses with fluctuating sales.

Shopify Capital does not require a credit check, making it a good option for businesses with lower credit ratings. Funding decisions are based on your store's performance rather than credit scores.

However, there are some drawbacks to consider. The fixed fee added to the advanced amount can be higher compared to traditional business loans. This may not be ideal for businesses on a tight budget.

Another con is that not all Shopify stores will qualify for Shopify Capital, as eligibility is closely tied to sales performance and location. This may limit the accessibility of the service for some businesses.

Lastly, the variable daily repayment can make it challenging to predict financial outflows precisely. This may require businesses to adjust their budgeting and financial planning accordingly.

A great product and a great Shopify store deserves an excellent marketing campaign, but this can be costly, especially if you want to pursue paid campaigns through digital platforms like Google Ads or Facebook.

You'll need a little bit of cash to get your message out there, and that's where Shopify Capital comes in, offering the funding you need to take your marketing to the next level.

Marketing is a crucial aspect of Shopify sales, and it's essential to free up capital for other things, such as product development, advertising, and expansion.

Kickfurther brings considerable expertise to the inventory funding process, bridging the gap between production costs and sales revenue, making it a perfect alternative to Shopify Capital.

By funding your largest expense – your inventory – with Kickfurther, you'll free up capital for other things, such as product development, advertising, and expansion, and get funding for up to 100% of your inventory at competitive rates.

Let Kickfurther be your trusted funding partner and take your Shopify business to the next level, with flexible and affordable funding and fewer hurdles.

If your business doesn't meet Shopify Capital eligibility requirements, you're not out of options. Consider Kickfurther, a trusted alternative funding platform for business owners seeking inventory financing.

Kickfurther's funding is not a loan, so costs are structured to support your business needs. This means you won't have to worry about adding debt to your balance sheet.

With Kickfurther, you'll get quick access to funds for your entire order(s) each time you need more inventory. This allows you to put your capital to work growing your business without adding debt or giving up equity.

Kickfurther connects your business with a community of eager backers who fund your inventory on consignment. This allows you to control your repayment schedule, so you're not beholden to the whims of a traditional lender.

Unlike traditional lenders, Kickfurther won't debit your account without concern for your sales cycle. This means you'll have more control over your cash flow and be able to make informed decisions about your business.

You can fund up to 100% of your inventory costs at flexible payment terms that you control. This is a game-changer for businesses that need to stock up on inventory to meet demand.

The repayment process for Shopify cash advances is straightforward. A portion of your daily sales is directly debited from your business bank account and remitted to Shopify until the total repayment is completed.

The repayment amount is calculated based on a percentage of your sales. For example, if you received a cash advance of $5,000 with a repayment rate of 10%, you can expect $100 to be deducted from your daily sales of $1,000.

This repayment process continues until the total amount of $5,650 is repaid, as seen in the example of a $5,000 cash advance with a 10% repayment rate.

Applying for a Shopify cash advance is a quick and simple process. You can expect Shopify to review your application within one to three days.

To qualify for a Shopify cash advance, you need to meet specific requirements. Shopify Capital isn't available to all merchants, and the platform uses a selective process to determine eligibility.

To be eligible, you must be located in the United States, Canada, the United Kingdom, or Australia. This is because Shopify Capital is currently available in these regions only. You must also have been selling on Shopify for at least 90 days to qualify.

To qualify, you need to be an active Shopify merchant in good standing with the platform. This means you must comply with Shopify's Acceptable Use Policy and Terms of Service. You'll also need to have Shopify Payments active on your store.

Shopify uses a machine learning-powered underwriting model to assess eligibility based on business data. This includes evaluating factors such as chargebacks, sales history, payment processing volume, and overall store performance.

Here are the key requirements for a Shopify cash advance: