Shopify business loans usually means Shopify Capital, the financing Shopify offers to eligible merchants from inside the Shopify admin. Outside lenders, PayPal, SBA lenders and revenue-based financing companies also fund Shopify stores, and oure-commerce loanshub covers the full range. This page explains how Shopify Capital works in Shopify’s own words, what it costs, and how it compares with financing from outside the platform. How Shopify Capital works Shopify describes the product this way on its US help page: “Shopify Capital offers loans to merchants in the United States. Loans are provided as a lump sum of money called the loan amount, in exchange for a fixed borrowing cost.