Lendio vs Shopify Capital

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	LendioLendio	Shopify CapitalShopify
In one line	Marketplace that shops your application to 75+ lenders	Funding for Shopify stores, repaid from a share of daily sales
Starting price	Free to apply	Flat fee, no interest
Six-person team	Free to apply	Flat fee, no interest
Plans	No fees listed for applicants; lenders set rates and terms and may pay Lendio for referrals	One flat fee, no interest; repaid as a fixed share of daily sales over up to 18 months; up to $2M; 90 days selling on Shopify, no credit check
Pricing model	Free	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank and accounting connections	Shopify
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US · CA · UK · AU
Phone support	Every plan	None listed
Live chat	None listed	None listed
Support hours	Phone: Monday–Friday 7:30 AM–5:00 PM MST	Not published
Incidents posted	We found no public status page for Lendio.	0 incidents posted on Shopify's status page, which covers all Shopify products and regions, in the 90 days to Oct 27, 2026. Status page
Trustpilot score	4.5 / 5 from 21,925 reviews	Not listed
Fit: Retail shop	80	60
Fit: Restaurant or café	80	15
Fit: Service business	75	10
Fit: Agency or studio	65	5
Fit: Trades or contractor	80	5
Fit: Online store	70	90
Why people pick it	One form, many offers SBA loan help	No credit check Payments follow sales
Where it falls short	Expect sales calls Offers vary widely	Shopify stores only Offers are invite-only
	Visit Lendio ↗	Visit Shopify Capital ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices