Square Loans vs Shopify Capital

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

Compare	Square LoansBlock	Shopify CapitalShopify
In one line	Advances for Square sellers, repaid from card sales	Funding for Shopify stores, repaid from a share of daily sales
Starting price	Flat fee, no interest	Flat fee, no interest
Six-person team	Flat fee, no interest	Flat fee, no interest
Plans	One flat fee per loan, no interest; a fixed share of daily card sales repays it	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
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Square only	Shopify
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US · UK · CA · AU	US · CA · UK · AU
Phone support	Plans not stated (US)	None listed
Live chat	Plans not stated	None listed
Support hours	Not published	Not published
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page	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
Fit: Retail shop	90	60
Fit: Restaurant or café	85	15
Fit: Service business	70	10
Fit: Agency or studio	20	5
Fit: Trades or contractor	50	5
Fit: Online store	40	90
Why people pick it	Offers appear automatically No fixed monthly payment	No credit check Payments follow sales
Where it falls short	Must sell through Square Minimum repayment every 60 days	Shopify stores only Offers are invite-only
	Visit Square Loans ↗	Visit Shopify 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