Financial tools built for merchants | Shopify Finance

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

Wherever you go

Manage cash flow

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

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Boxes of meat products with the label 'Porter Road'

Food & Beverage — Porter Road

Scaling a Sustainable Meat Company

A black Shopify Balance payment card labeled with the company name The Blissful Dog

Pet

Empowering Growth With Shopify Balance

A blonde-haired woman working on a motorcycle

Apparel

Navigating the Speed Bumps of Small Business

Safeguard your finances

Protected by Visa

Encrypted by Shopify

Eligible for pass-through FDIC insurance

Two Shopify merchants are in an office, looking at a computer screen together. The woman is white with blonde hair and standing next to a Pacific Islander man who is sitting at the desk. He has curly, tied back hair and a short beard. On the desk, there is a glass of orange juice and a cup filled with pens.

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.

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Shopify App

Take Shopify Finance with you—anywhere

One app to manage your finances and business.

Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member 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 3, 2025. 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$250,000 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.