Shopify Capital vs QuickBooks Capital
Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
QuickBooks Capital fits retail shop, restaurant or café, service business, agency or studio, trades or contractor.
Shopify Capital fits online store.
| Compare | Shopify CapitalShopify | QuickBooks CapitalIntuit |
|---|---|---|
| In one line | Funding for Shopify stores, repaid from a share of daily sales | Loans and a credit line for QuickBooks Online users, no fees |
| Starting price | Flat fee, no interest | From 13.49% APR, no fees |
| Six-person team | Flat fee, no interest | From 13.49% APR, no fees |
| 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 | Term loans $1.5K-$250K over 6-24 months (rate set per offer); line of credit $1K-$100K at 13.49%-35.99% APR; no origination, late, or prepayment fees; needs QuickBooks Online and about $50K yearly revenue |
| Pricing model | Paid | Paid |
| Free trial | — | — |
| Users | n/a | n/a |
| Integrations | Shopify | QuickBooks Online (apply inside it) |
| Team size | Just me · 2–10 people · 11–50 people | Just me · 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 | Phone: Mon–Fri 6 AM–3 PM PT, closed weekends · Live chat: Mon–Fri 6 AM–3 PM PT, closed weekends |
| 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 | 5 incidents posted on Intuit's status page, which covers all Intuit products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Intuit. Status page |
| Fit: Retail shop | 60 | 70 |
| Fit: Restaurant or café | 15 | 65 |
| Fit: Service business | 10 | 78 |
| Fit: Agency or studio | 5 | 75 |
| Fit: Trades or contractor | 5 | 75 |
| Fit: Online store | 90 | 72 |
| Why people pick it |
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| Where it falls short |
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| Visit Shopify Capital | Visit QuickBooks Capital |
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
QuickBooks Capital: partner link. We may earn a commission; it never affects rankings.
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