Key differences
- On our data, Stripe Capital and Shopify Capital list similar pricing, speed and requirements. Ask both for an offer and compare the actual terms you're quoted.
Side by side
| Stripe Capital | Shopify Capital | |
|---|---|---|
| Product | Merchant financing | Merchant cash advance & loans |
| Funding type | Embedded & processor capital | Embedded & processor capital |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 2 days | About 2 days |
| Typical size | Up to about 15% of ARR | Up to about 15% of ARR |
| Term | 6–18 months | 6–18 months |
| Requirements | Existing revenue · Revenue collected through their platform | Existing revenue · Revenue collected through their platform |
| Regions | US · UK · EU | US · UK · EU |
| What they underwrite | Your platform sales | Your platform sales |
| Collateral | Future platform sales | Future platform sales |
| How you repay | % of sales | % of sales |
| Dilution | None | None |
Shopify Capital
Offered to Shopify merchants; repaid from sales.
Stripe Capital vs Shopify Capital FAQ
What is the difference between Stripe Capital and Shopify Capital?
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.