Quick answer
Shopify Capital eligibility: Shopify-hosted store, 6+ months on Shopify platform, $10,000+/mo GMV typical (Shopify decides exact thresholds). No FICO check at application — Shopify uses Shopify sales data instead. Pre-qualified offers appear automatically in Shopify Admin. You cannot apply directly; eligibility entirely controlled by Shopify.
Full answer
Shopify Capital eligibility is determined entirely by Shopify based on your Shopify sales history. There's no formal application process — Shopify evaluates your store and surfaces pre-qualified offers in your Shopify Admin dashboard.
Published criteria (Shopify's published guidance): Shopify-hosted store (not Shopify-supported on external platforms), 6+ months on Shopify, $10K+/mo GMV typical. Shopify doesn't publish exact thresholds — they evaluate based on overall account health.
No FICO check: underwriting uses Shopify transaction history, not personal credit. This means you can access Shopify Capital with bad personal credit if your Shopify store performs well.
Documents required: none. Shopify already has your data via the platform integration.
Funding timeline: 2-5 business days from acceptance. ACH funded directly to your designated bank account.
Best for: established Shopify merchants ($25K+/mo GMV) needing $10K-$500K for inventory pre-buy, marketing scaling, or expansion. Repayment is automatic percentage of daily Shopify sales (typically 9-17%).
Where to be careful: if you migrate off Shopify mid-loan, full balance accelerates immediately. Higher-tier offers ($250K+) may include personal guarantee. Eligibility entirely Shopify's call — no appeal process.
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.