Shopify Capitalはどのように前払いを計算しますか？

Table of Contents

1. Introduction
2. What is Shopify Capital?
3. How Does Shopify Capital Calculate Advance?
4. Factors Influencing Shopify Capital Offers
5. Applying for Shopify Capital
6. Advantages and Disadvantages of Shopify Capital
7. Conclusion
8. Frequently Asked Questions (FAQs)

Introduction

Running an e-commerce business often requires capital for expansion, marketing, or inventory replenishment. For Shopify merchants, Shopify Capital offers a convenient way to secure funding without the stringent requirements typical of traditional loans. But how exactly does Shopify Capital calculate the advance it offers to merchants? Understanding this process can help you make better financial decisions for your business.

In this blog post, we'll delve into how Shopify Capital calculates advance amounts, the factors influencing these calculations, and how you can leverage this information to secure the funding you need. We'll cover everything from the concept of merchant cash advances to the specifics of Shopify Capital’s calculation process. By the end of this post, you'll have a comprehensive understanding of how Shopify Capital can support your business growth.

What is Shopify Capital?

Shopify Capital offers financing solutions specifically tailored for Shopify merchants. These solutions come in two primary forms: merchant cash advances and business loans. Understanding the key differences and how these loans work is crucial for deciding which option best fits your business needs.

Merchant Cash Advance

A merchant cash advance is not a loan in the traditional sense. Instead, it's an advance against your future sales. Shopify Capital gives you a lump sum upfront in exchange for a fixed repayment amount, which is remitted as a percentage of your daily sales. The remittance rate and the total amount to be remitted depend on your store's risk profile.

For example, if Shopify Capital advances you $5,000 with a remittance rate of 10%, you will repay through 10% of your daily sales until the total of $5,650 is met. This method aligns repayment with your sales volume - higher sales lead to faster repayment and vice versa.

Shopify Capital Loans

Unlike the merchant cash advance, Shopify Capital loans have a fixed borrowing cost and a predetermined repayment period. The repayment amount is a percentage of your daily sales, similar to the cash advance, but there's a deadline for when the total amount must be repaid, typically within 12 months.

How Does Shopify Capital Calculate Advance?

Sales History and Volume

One of the most critical factors Shopify Capital considers is your store’s sales history. Consistent and high sales volumes often increase your eligibility for larger advances or loans.

Financial Health of the Store

Shopify assesses your store's overall financial health, including any existing debt obligations, to determine your risk profile. A healthier financial standing can lead to better offers.

Remittance Rate

The remittance rate is the percentage of daily sales used to repay the advance. This rate is mutually agreed upon during the advance agreement. For example, if your store generates $1,000 in sales in a day, and your remittance rate is 10%, then $100 will be remitted to Shopify Capital.

Advance and Remittance Rate Calculation

Let's break down an example calculation:

• Amount Advanced: $10,000
• Fixed Fee: $1,500 (calculated as part of the total remittance)
• Total to Remit: $11,500
• Remittance Rate: 10%

If your store makes $500 in sales:

• Daily remittance = 10% of $500 = $50

Example of Daily Sales and Remittance

For a clear understanding, consider this table showing five days of sales and corresponding remittances for a store with $15,000 in advance and a 10% remittance rate.

Each day's remittance is automatically debited from your business account. Days with zero sales result in zero remittance.

Factors Influencing Shopify Capital Offers

Transaction History

Regular and high transaction volumes strengthen your eligibility. Shopify Capital favors stores with stable and growing transaction histories.

Business Type and Seasonality

Different industries have unique sales cycles. Seasonal businesses may see varied advance amounts depending on their peak seasons' performance.

Risk Profile

Shopify evaluates the risk associated with each store. Factors include sales consistency, existing debt, and store performance metrics.

Shopify Account Status

Maintaining a healthy Shopify account with compliance to Shopify's terms of service positively impacts your eligibility and the offers you receive.

Applying for Shopify Capital

Checking Eligibility

Eligibility for Shopify Capital is assessed based on your store's performance metrics. Shopify periodically reviews eligible accounts and extends offers through email or notifications in the Shopify dashboard.

Application Process

Once invited, you can apply from the Shopify Capital page in your Shopify admin. Review the available offers and terms.

• Pros: Quick access to funds, no impact on personal credit, flexible repayment tied to sales.
• Cons: Can be costly compared to traditional loans, remittance impacts cash flow.

Advantages and Disadvantages of Shopify Capital

Pros

• Easy Access to Funds: Quick and straightforward process.
• Sales-Based Repayment: Alleviates pressure during slower sales periods.
• No Personal Credit Checks: Approval based on store performance.

Cons

• Higher Costs: Fixed fees and rates may be higher than traditional loans.
• Variable Repayment Amounts: Impacts daily cash flow.

Conclusion

Understanding how Shopify Capital calculates advances can help you leverage this tool effectively for your business. By considering factors like sales history, remittance rates, and your store's risk profile, you can better prepare for and manage the advance process. Though it comes with its costs, Shopify Capital offers a flexible, sales-aligned repayment model that can support your business’s growth without the rigid terms of traditional loans.

Frequently Asked Questions (FAQs)

1. How long does it take to receive funds from Shopify Capital?

Typically, funds are deposited into your business account within 2-5 business days after your application is approved.

2. Is there a minimum revenue requirement to qualify for Shopify Capital?

Shopify does not publicly disclose specific minimum revenue requirements, but consistent revenue and a healthy sales history are crucial factors.

3. Can I reapply for Shopify Capital?

Yes, you can reapply for additional funding if you have repaid at least 65% of your current advance.

4. Are there any penalties for early repayment?

No, Shopify Capital does not impose penalties for early repayment.

5. What happens if my store has a low sales period?

During low sales periods, your daily remittance will be lower, aligning repayment with your store’s revenue performance.

6. How can I improve my eligibility for Shopify Capital?

Maintain consistent sales, keep your store financially healthy, and adhere to Shopify’s policies.

Understanding these factors will arm you with the knowledge to use Shopify Capital to its full potential, helping you secure and utilize the financial support necessary for your business's growth.