FINANCING FOR
SHOPIFY STORE OWNERS
Lower Costs & Higher Shopify Financing Limits for Your Store
Kickfurther funds up to 100% of your inventory costs with flexible payment terms—no payments until you sell. We’ve got you covered for your entire inventory order whenever you need it, making it easier to grow your Shopify store without the stress of adding debt, giving up equity, or tying up cash in inventory.
- Often 30% lower cost than alternate lenders
- Quickly fund $5,000,000+ in inventory for your Shopify store
- Create your payment schedule (1-10 months)
- Sell new inventory before paying for it
Maximizing Opportunities with Shopify Financing
If you're a Shopify seller, you already know that there are several things you can do to expand your business, get the interest of new customers and keep pace with increasing demand. However, the reality is that growth often needs resources you don't have at hand. And that is where financing comes into play. It’s a powerful tool that can provide the capital you need to turn those ambitious goals into reality.
Unlock Growth with Shopify Store Financing Solutions
If you need to stock up for the next big sales season, fund a brand new product line, or simply cover your day-to-day operating costs, financing can close the gap. Strategically applied funds can help grow your leverage and also make sure you maintain an equitable market to cash flow margin. So you don’t have to risk your business as you grab hold of opportunities.
Shopify Financing allows you to:
- Boost Inventory Levels and Meet Customer Demand: Running out of stock means sales opportunities are missed and that can hurt your reputation. With Shopify Financing, you can maintain steady inventory levels, keep customers happy, and maximize every selling opportunity.
- Invest in Marketing and Growth Initiatives: Growing your audience takes consistent investment in marketing—from paid ads to SEO strategies. Shopify working capital can help fund these efforts so you can build brand awareness and consistently reach new customers.
- Expand Your Business’s Reach: Financing gives you the freedom to explore new avenues for growth, such as launching a new product, testing new sales channels, or even opening a physical location. Expansion can carry risk, but with adequate funding, you’re better prepared to take calculated steps that elevate your business.
- Streamline Operations and Cash Flow: Covering operational expenses—like rent, salaries, and supplies—becomes much smoother when you have reliable financing. Plus, consolidating existing debts or managing unexpected costs with additional capital can improve cash flow, allowing you to focus on business growth instead of financial stress.
Exploring Your Shopify Financing Options
Growing Your Shopify Business And Understanding Your Financing Options
When it comes to growing your Shopify store, having access to the right financing options can make all the difference. From managing cash flow to funding new initiatives, various solutions are available to help you achieve your business goals.
Here’s a closer look at some top Shopify financing options along with their pros and cons.
Shopify Capital
Shopify Capital is a popular financing program designed specifically for merchants on the Shopify platform. It offers two main types of funding: merchant cash advances (MCA) and Shopify business loans.
- Merchant Cash Advances (MCA): With an MCA, you get a lump sum of cash upfront in exchange for a percentage of your future sales. This means that repayment amounts fluctuate based on your daily sales performance—paying more when business is booming and less during slower periods.
- Business Loans: These loans provide a fixed amount of capital with a set repayment schedule. Unlike MCAs, loan repayments remain constant regardless of sales volume.
Pros
- Get the funds you need quickly and with minimal paperwork.
- No need for credit checks or personal guarantees.
- Repayment is flexible and tied to your sales, making it easier to keep your cash flow in check.
Cons
- Business owners have to wait for Shopify to determine their eligibility before they can see their Capital offer, which can slow down access to much-needed funds.
- You’ll need to meet specific criteria to be eligible, like having sold on Shopify for at least 90 days, and eligibility is limited to certain regions.
- The fees associated with Shopify Capital can be higher than those of traditional loans, which might affect your overall profitability.
Shopify Line of Credit
A Shopify Line of Credit allows you to borrow money as needed up to a predetermined limit. You only pay interest on the amount you draw, providing flexibility in managing cash flow. This option is ideal for businesses that may need sporadic funding for inventory purchases or marketing campaigns.
Business Lines of Credit
Similar to the Shopify Line of Credit, traditional business lines of credit offer flexibility and convenience. You can withdraw funds as needed and repay them over time, making it easier to manage unexpected expenses or take advantage of new opportunities without committing to a long-term loan.
SBA Loans
The Small Business Administration (SBA) offers various loan programs designed to support small businesses. SBA loans typically come with lower interest rates and longer repayment terms than traditional loans, making them an attractive option for many entrepreneurs. However, they often require extensive documentation and can involve a lengthy approval process.
Alternative Financing Options
In addition to the options mentioned above, there are several alternative Shopify financing solutions available:
- Invoice Financing: This allows you to borrow against outstanding invoices, providing immediate cash flow while waiting for customers to pay.
- Crowdfunding: Platforms like Kickstarter or Indiegogo enable you to raise funds from individual backers in exchange for rewards or equity in your business.
- Peer-to-Peer Lending: Websites like LendingClub connect borrowers with individual investors willing to fund their loans, often with competitive interest rates.
Grow Your Shopify Store with Kickfurther Funding
Flexible Inventory Financing Tailored to Your Growth
For Shopify sellers who prioritize cash flow, Kickfurther provides a unique Shopify financing solution designed to help scale your business without adding traditional debt.
Unlike typical Shopify loans or credit lines, Kickfurther’s funding model offers substantial flexibility by financing up to 100% of your inventory costs with customized payment terms that align with your revenue stream. This allows you to keep more of your capital accessible for other growth areas—like product development, marketing, or expanding your team—without locking it into inventory expenses.
The Kickfurther Advantage
Kickfurther offers a range of benefits that empower Shopify sellers to manage their inventory financing effectively while maintaining financial flexibility and control. Here are some key advantages:
- Repayment Flexibility: With Kickfurther, repayments don’t start until you begin selling the inventory, and you set the repayment schedule to align with your cash flow. This flexibility helps prevent a strain on your finances during slower sales periods.
- Equity Retention: Since Kickfurther is non-dilutive, you maintain full ownership of your business, keeping your equity intact. This is crucial for businesses planning for future fundraising or wishing to retain control.
- No Debt on Your Books: Kickfurther’s funding isn’t a loan, so it doesn’t add debt to your balance sheet. This not only makes your financials healthier but also avoids potential impacts on your credit profile or future lending capacity.
- Quick, Reliable Funding: Kickfurther is designed for the inventory needs of Shopify sellers. With Kickfurther, you can reliably fund entire orders as often as needed, allowing you to meet supplier deadlines and respond to demand spikes seamlessly.
- Boosts Working Capital: By handling your inventory financing, Kickfurther frees up your existing capital for other essential areas of growth. Instead of tying up cash in products, you’re able to channel it into marketing, new product development, or operational improvements.
Where you've seen us
- Create Your online account Create a business account, upload your business information, and launch your deal
- Get funded within minutes to hours Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.
- Control your payment schedule We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.
- Complete and repeate Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.
See Who Else We’ve Helped
Frequently asked Shopify Capital Financing Questions
What is Shopify Capital?
The launch of Shopify Capital ties in well with Shopify’s mission to make commerce easier and more accessible for everyone. Shopify understands that it’s often difficult for businesses to access additional growth funding, which is why Shopify Capital offers two main types of funding: short-term business loans and merchant cash advances. Many sellers report the two function similarly, but there are differences to note:
- Short-term business loans – Shopify grants the borrower with a lump sum that should be paid back in full plus a flat borrowing cost. Like most loans, payments are broken up into installments.
- Merchant cash advances – With a merchant cash advance, the lender (in this case Shopify) essentially purchases a share of future sales. The borrower receives a lump sum from Shopify Capital that they’ll then repay via deductions from your daily revenue until the loan plus costs are repaid. On days without sales, MCA loans often will not deduct from your account.
Shopify loans can be used for a variety of purposes, including purchasing additional inventory and equipment, investing in additional marketing and advertising, launching new products, as well as hiring more employees.
How do you qualify for Shopify Capital loans?
To be eligible for a Shopify Capital loan, Shopify will alert you directly in your account if you’re selected for funding. Here are the general criteria for eligibility:
- Located in the United States or Canada
- Low-risk profile
- Shopify Payments or other third-party payment provider enabled
- Processing a certain amount of sales regularly
How do I apply for Shopify Capital loans?
Once you confirm eligibility, you can prepare your loan request within your Shopify account. Here’s how the process works:
- Check for eligibility in your Shopify Capital section
- Review and compare funding offers, including the amount received, total owed, and daily repayment rate
- Carefully review all terms and conditions before accepting
- Shopify will review and approve applications within 3-5 business days. Approved funds are deposited directly to your business account, with daily repayments beginning two days later, automatically deducted from sales
Are Shopify loans secured?
No, Shopify loans are unsecured. Repayment is made through a percentage of daily sales, requiring no collateral.
How does Shopify financing work with Kickfurther?
Kickfurther allows brands to access funding for new inventory or receive reimbursement for recently produced goods through a private marketplace. Funds go directly to your manufacturer for inventory production, with no payments required until the inventory sells. Each use can potentially lower funding costs.
How can I create a Kickfurther co-op for Shopify Capital?
The Kickfurther application process involves three key steps:
- Create a business account and provide details about your business and product line
- Use the Kickfurther calculator to structure your co-op, determining costs, earnings, and payment timelines
- Connect Kickfurther with your supplier once your application is approved
What is required to get funding with Kickfurther?
Kickfurther requires that you sell a shelf-stable consumable or physical product, maintain compliance with State and Federal regulations, and have a proven sales track record. All businesses undergo approval by the Kickfurther diligence team.
How fast will I get funded through Kickfurther?
Once your application is approved and the deal goes live, most Kickfurther deals fund within a day—often in just minutes to hours—so you can seize growth opportunities without delay.