Shopify Capital vs Fora Financial

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

Compare	Shopify CapitalShopify	Fora FinancialFora Financial
In one line	Funding for Shopify stores, repaid from a share of daily sales	Short-term loans with published factor rates and fees
Starting price	Flat fee, no interest	Factor rates from 1.13
Six-person team	Flat fee, no interest	Factor rates from 1.13
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	Loans and revenue advances up to $1.5M over 4-18 months; factor rates 1.13-1.50 (early payoff can cut to 1.05); origination fee from 2.5% plus a wire fee; daily or weekly payments
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 (US)
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	Fora Financial has a public status page. Status page
Trustpilot score	Not listed	4.7 / 5 from 1,122 reviews
Fit: Retail shop	60	72
Fit: Restaurant or café	15	75
Fit: Service business	10	65
Fit: Agency or studio	5	50
Fit: Trades or contractor	5	70
Fit: Online store	90	60
Why people pick it	No credit check Payments follow sales	Published factor-rate range and fees Early payoff discount, no prepayment penalty
Where it falls short	Shopify stores only Offers are invite-only	Short terms make the cost high Its pages list different minimums
	Visit Shopify Capital ↗	Visit Fora Financial ↗

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