How Shopify Capital sizes your offer
In the US, Shopify Capital extends loans issued by WebBank, and offers are surfaced only to pre-qualified merchants. You cannot apply on your own. Repayment is a fixed percentage of your daily Shopify sales, and offers are recalculated daily based on how your store performs. Shopify markets funding up to about $2 million, though most real-world offers are far smaller and tied directly to a store's sales.
The model evaluates your Shopify store specifically: sales volume, how often you sell, total orders, and orders successfully shipped. The amount is a function of that Shopify throughput, not your total business revenue.
Why you are capped
- Only Shopify sales feed the offer. Revenue on Amazon, eBay, Walmart Marketplace, TikTok Shop, another cart like WooCommerce, in-person sales not run through Shopify POS, and wholesale or B2B invoicing are all invisible to the calculation.
- Daily recalculation punishes a dip. Because offers refresh daily off store performance, a single soft month can delay an offer or bring it back smaller with a worse rate.
- You cannot request more. The offer is what the algorithm sized. There is no manual review of your broader revenue.
- Account friction suppresses offers. High chargebacks, disputes, returns, short tenure, or inconsistent sales days can shrink or withhold an invite.
- An active advance limits the next one. Carrying a current Shopify balance can delay or reduce a new or top-up offer.
Most retail revenue still moves across mixed channels. The US Census Bureau reported e-commerce at roughly 16.6% of total retail sales in late 2025, which means the large majority of sales happen outside any single online store. Sizing only to your Shopify channel leaves a lot of real revenue uncounted.
How to get more than Shopify will offer
The structural fix is funding sized to your total business revenue across every channel and all bank deposits, rather than one platform's sales. Bank-statement and revenue-based lenders review several months of deposits, so a multi-channel seller qualifies on full revenue, Shopify plus Amazon plus wholesale plus in-person, instead of the Shopify slice alone. Platform-agnostic lenders also do not lock you to Shopify Payments.
If you need capital on top of an existing Shopify advance, a separate lender can fund against your total revenue while the Shopify balance repays, structured so the combined payments stay workable. Our retail funding guide covers options for online and multi-channel sellers, and you can see what your full revenue supports by starting an application. In the Federal Reserve's 2025 Small Business Credit Survey, a majority of applicants did not receive everything they sought, so a capped offer is a normal starting point, not a ceiling on your options.