Shopify Capital vs Bluevine Line of Credit

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

Compare	Shopify CapitalShopify	Bluevine Line of CreditBluevine
In one line	Funding for Shopify stores, repaid from a share of daily sales	Credit line up to $250K with rates from 7.8%
Starting price	Flat fee, no interest	Rates from 7.8%
Six-person team	Flat fee, no interest	Rates from 7.8%
Plans	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	Up to $250K; rates from 7.8%; weekly or monthly repayment; no maintenance fee; $15 per wire draw; needs a corporation or LLC, 12+ months in business, $10K monthly revenue, 625 FICO; not in NV, ND, SD
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Shopify	Bluevine checking, bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · CA · UK · AU	US
Phone support	None listed	Plans not stated
Live chat	None listed	Plans not stated
Support hours	Not published	Not published
Incidents posted	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	We found no public status page for Bluevine.
Fit: Retail shop	60	70
Fit: Restaurant or café	15	68
Fit: Service business	10	75
Fit: Agency or studio	5	70
Fit: Trades or contractor	5	75
Fit: Online store	90	70
Why people pick it	No credit check Payments follow sales	Low starting rate No maintenance fees
Where it falls short	Shopify stores only Offers are invite-only	Needs a year in business and $10K monthly revenue No sole proprietors
	Visit Shopify Capital ↗	Visit Bluevine Line of Credit ↗

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