I have a Shopify store but Shopify hasn't offered me capital — what now?

Fundbox is a reasonable backup. Their underwriting uses your bank + accounting data and accepts $8K/mo revenue with 6+ months TIB. Many Shopify merchants use Fundbox specifically because Shopify Capital is algorithmic — you can't request an offer.

Can I have both at the same time?

Technically yes, but Shopify Capital takes a fixed % of daily Shopify sales and Fundbox draws come with weekly repayments. Combined deductions can strain cash flow. Use one or the other, not both.

Shopify Capital's single fixed-fee factor (1.10 – 1.18) is typically cheaper on total cost than Fundbox's weekly-fee structure (30 – 60% APR-equivalent). If Shopify offers, take Shopify.

Fundbox vs Shopify Capital — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

FundboxShopify Capital

Product typeLOCMCA

Amount range$1K – $150K$200 – $2M (varies by store volume)

Cost (factor / APR)Weekly fee + APR equivalent typically 30–60%Single fixed fee (factor 1.10 – 1.18 typical); no APR / no compounding

Speed to fundAs fast as 1 day2 – 5 business days after acceptance

Min time in business6 months3 months

Min monthly revenue$8,000~$5,000+ in Shopify processed sales typical floor

Min credit score600+No FICO pull — underwrites entirely against Shopify sales history

Products

Line of credit

Embedded merchant cash advance (Shopify stores only)

Verdicts by use case

Non-Shopify merchant — Winner: Fundbox. Fundbox is platform-agnostic and underwrites against bank + accounting data. Shopify Capital only works for Shopify stores — useless if you don't sell on Shopify.
DTC e-commerce brand on Shopify — Winner: Shopify Capital. Shopify Capital sees your full store funnel and underwrites against Shopify sales velocity. Pre-qualified offers appear with no application. Fundbox can fund you too but the data Shopify sees is richer.
Revolving draw-and-repay capital — Winner: Fundbox. Fundbox is a true LOC — draw, repay, redraw indefinitely. Shopify Capital is a single advance per offer; you wait for Shopify to surface the next one.
Largest possible advance — Winner: Shopify Capital. Shopify Capital scales to $2M for high-volume stores. Fundbox caps at $150K.
No application / no FICO pull — Winner: Shopify Capital. Shopify Capital surfaces offers with no application and no hard FICO pull — underwrites against Shopify sales history only. Fundbox runs a credit check and requires a formal application.

The honest takeaway

Fundbox and Shopify Capital solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

I have a Shopify store but Shopify hasn't offered me capital — what now?: Fundbox is a reasonable backup. Their underwriting uses your bank + accounting data and accepts $8K/mo revenue with 6+ months TIB. Many Shopify merchants use Fundbox specifically because Shopify Capital is algorithmic — you can't request an offer.
Can I have both at the same time?: Technically yes, but Shopify Capital takes a fixed % of daily Shopify sales and Fundbox draws come with weekly repayments. Combined deductions can strain cash flow. Use one or the other, not both.
Which is cheaper?: Shopify Capital's single fixed-fee factor (1.10 – 1.18) is typically cheaper on total cost than Fundbox's weekly-fee structure (30 – 60% APR-equivalent). If Shopify offers, take Shopify.