Shopify Capital vs Credibly

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

Compare	Shopify CapitalShopify	CrediblyCredibly
In one line	Funding for Shopify stores, repaid from a share of daily sales	Working capital and cash advances from $5,000 after six months in business
Starting price	Flat fee, no interest	Factor rates from 1.11
Six-person team	Flat fee, no interest	Factor rates from 1.11
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	Working capital $25K-$600K over 6-24 months; merchant cash advance $5K-$600K over 3-24 months; factor rates from 1.11; daily or weekly payments; needs 6+ months in business, $20K average monthly revenue, 550 credit score (product pages; the homepage says $15K and 500)
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Shopify	Soft credit check to apply
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	None listed
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 Credibly.
Trustpilot score	Not listed	4.8 / 5 from 2,819 reviews
Fit: Retail shop	60	75
Fit: Restaurant or café	15	78
Fit: Service business	10	65
Fit: Agency or studio	5	50
Fit: Trades or contractor	5	70
Fit: Online store	90	62
Why people pick it	No credit check Payments follow sales	Qualifies at six months in business Published starting factor rate
Where it falls short	Shopify stores only Offers are invite-only	Daily or weekly repayments Its pages list different minimums
	Visit Shopify Capital ↗	Visit Credibly ↗

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