Stripe Capital vs Shopify Capital

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

Compare	Stripe CapitalStripe	Shopify CapitalShopify
In one line	Advances repaid as a cut of your Stripe 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; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	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	Stripe only	Shopify
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US · UK	US · CA · UK · AU
Phone support	Every plan	None listed
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. 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	50	60
Fit: Restaurant or café	40	15
Fit: Service business	60	10
Fit: Agency or studio	60	5
Fit: Trades or contractor	40	5
Fit: Online store	90	90
Why people pick it	No paperwork Repayment flexes with sales	No credit check Payments follow sales
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Shopify stores only Offers are invite-only
	Visit Stripe Capital ↗	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