Shopify Finance
The financial tools you need, built into your business
Made for Shopify merchants at every stage of growth.
Get paid as fast as the next business day and 3.16% or more on all funds1, 2
Up to 6 free business accounts to manage and maximize your earnings
Earn up to 3% cashback on eligible business expenses3
A pay-in-full Visa® business card you can pay over time from sales4
Apply for funding faster—no credit checks, no equity taken
Funding designed to support every stage of your business growth
Pay bills your way—no matter what payments vendors accept
An efficient way to manage payments without subscription fees
Take the stress out of taxes with automated tools and insights
Integrated sales tax calculations, liability tracking, and filing
Shopify is a tech company, not a bank. Account, money transmission, and issuing services are provided by Stripe Payments Company and its financial institution partners, including Evolve Bank & Trust and Fifth Third Bank, Members FDIC. All cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa USA Inc. All funding through Shopify Capital in the U.S. is issued by WebBank.
Manage your money where you make it
Simplify operations and see your business clearly.
Your built-in finance suite
Invest in your success from start to scale
Overcome financial barriers
Jump-start your business finances with no credit checks, no impact on your personal credit score, and no guarantors.
Streamline your business finances
Open free Balance accounts to fuel your business with faster payouts, more rewards, and no monthly or transfer fees.5
Get performance-based offers
Accelerate your growth with tailored credit limits and funding offers that scale with your business. Log in for eligibility
Flexible cash flow
Borrow with confidence and control your cash flow
Keep your cash flow flowing with money you can repay from daily sales. Pay only on days you sell, and less when sales are slow.4,6
Credit limits up to $100K
Funding up to $2M
Rewards designed for growth
Put your money to work
Earn a 3.16% APY reward on every dollar in a Balance account and 4.20% if you’re on a Shopify Plus plan.2
The calculator is for illustrative purposes only. It assumes no rate changes and that your account balance at year 1 and all APY accrued remains in Shopify Balance.
Rewards designed for growth
Reward your hustle
Get cashback on eligible expenses that help your business grow with Shopify Credit and Balance.
Rewards designed for growth
Save on commerce essentials
Access exclusive offers from industry-leaders you trust to run and promote your business. Log in for details
Food & Beverage — Porter Road
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Pet
Empowering Growth With Shopify Balance
Apparel
Navigating the Speed Bumps of Small Business
Safeguard your finances
Eligible for pass-through insurance
Protected by Visa
Encrypted by Shopify
Making finance better for our merchants
Inspired by millions of merchant journeys, Shopify Finance builds innovative tools that support entrepreneurs and keep up with your business.
Resources
5 tips for business money management
Learn how to stay on top of your finances and streamline money management.
How Shopify Finance supports growth
Learn how Shopify Finance can help solve your biggest money challenges.
Learn more about Shopify Finance
Find information about product eligibility and how to use the Shopify finance suite.
Explore the finance suite
Discover all the financial advantages built for Shopify merchants.
- Shopify Bill Pay is powered by
- Shopify is a tech company, not a bank. Shopify partners with Stripe Payments Company for money transmission services and account services with funds held at Evolve Bank & Trust and Fifth Third Bank, Members FDIC. Shopify Credit and Shopify Balance Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. All funding through Shopify Capital in the U.S. is issued by WebBank.
- 1.Shopify Payments payouts are typically deposited into your Shopify Balance account within 1-3 business days, and no later than 5 business days. Payouts sent to an external bank account usually take over a week longer to process.
- 2.Shopify provides a reward in the form of an annual percentage yield (APY) on the money you hold in Shopify Balance and it is not interest. The rate is variable, subject to change without notice, and accurate as of November 13, 2024. The reward accrues daily, and is compounded and paid monthly in the form of a credit to your Balance account.
- 3."Cashback" refers to rewards earned as a percentage discount on eligible purchases. Earn 3% cashback as a statement credit on up to US$100,000 of annual eligible purchases in your monthly top spend category—either marketing, fulfillment, or wholesale, and 1% cashback thereafter. Earn 1% cashback on the other two spend categories. Restrictions apply. See Rewards Program Terms for details.
- 4.Shopify Credit is a pay-in-full card. By default, you are opted in to paying your full statement balance by an automatic debit from your designated bank account within 1 month to avoid fees. You have the option to switch to making daily payments from your sales and take up to 10 months to pay your full statement balance, for a fee. If payment is not received in full within 10 months, a 2% monthly late fee will apply to your past-due balance.
- 5.Shopify Balance has no monthly, transfer, or hidden fees. Shopify doesn’t charge any ATM withdrawal fees, but you may be charged by an ATM provider.
- 6.Shopify Capital is available in select countries. All loans through Shopify Capital are issued by WebBank in the United States. Offers to apply do not guarantee funding. Shopify Capital loans are repaid based on a percentage of daily sales. The maximum repayment term is 18 months, and 2 minimum payments apply. The actual time period within which the loan is repaid may be less than 18 months.