Shopify Capital vs National Funding

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

Compare	Shopify CapitalShopify	National FundingNational Funding
In one line	Funding for Shopify stores, repaid from a share of daily sales	Working capital up to $500K and equipment financing
Starting price	Flat fee, no interest	Rates by quote
Six-person team	Flat fee, no interest	Rates by quote
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 $6K-$500K, daily or weekly payments over 4-24 months; equipment financing up to $150K over 2-5 years; rates not published; most customers 600+ FICO
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	Every plan
Live chat	None listed	None listed
Support hours	Not published	Phone: Monday – Friday 7:30am to 4:30pm PT
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 National Funding.
Trustpilot score	Not listed	4.6 / 5 from 2,215 reviews
Fit: Retail shop	60	72
Fit: Restaurant or café	15	75
Fit: Service business	10	68
Fit: Agency or studio	5	55
Fit: Trades or contractor	5	78
Fit: Online store	90	62
Why people pick it	No credit check Payments follow sales	Large amounts Equipment financing too
Where it falls short	Shopify stores only Offers are invite-only	Rates not published Daily or weekly repayments
	Visit Shopify Capital ↗	Visit National Funding ↗

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