Shopify Capital vs Kapitus

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

Compare	Shopify CapitalShopify	KapitusKapitus
In one line	Funding for Shopify stores, repaid from a share of daily sales	Larger loans and revenue-based financing for businesses past two years
Starting price	Flat fee, no interest	Rates from 6.2%
Six-person team	Flat fee, no interest	Rates from 6.2%
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-based financing up to $5M over 6-24 months; line of credit up to $750K (needs $180K revenue); needs 2+ years in business, $250K yearly revenue, 650 credit score; rates from 6.2%, set by quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Shopify	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	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 Kapitus.
Trustpilot score	Not listed	4.4 / 5 from 802 reviews
Fit: Retail shop	60	70
Fit: Restaurant or café	15	72
Fit: Service business	10	70
Fit: Agency or studio	5	62
Fit: Trades or contractor	5	75
Fit: Online store	90	65
Why people pick it	No credit check Payments follow sales	Large amounts Several offers from one application
Where it falls short	Shopify stores only Offers are invite-only	Only the lowest rate is published Needs two years and $250K revenue
	Visit Shopify Capital ↗	Visit Kapitus ↗

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