ราคา Shopify Capital: สิ่งที่คุณควรทราบ

Table of Contents

1. Introduction
2. What is Shopify Capital?
3. Pricing Structure of Shopify Capital
4. Example Calculations
5. Advantages of Shopify Capital
6. Considerations Before Opting for Shopify Capital
7. Summary and Conclusion
8. Frequently Asked Questions (FAQ)

Introduction

Imagine having the flexibility to finance your e-commerce business without the hassle of traditional bank loans or venture capital. That’s where Shopify Capital steps in. Designed specifically for Shopify merchants, Shopify Capital provides funding solutions that you repay as a percentage of your daily sales. But what does this mean for your business, and how much does it cost? If you’ve found yourself wondering about Shopify Capital pricing, you're in the right place. This blog will explore the ins and outs of Shopify Capital, demystify its pricing structure, and help you decide if it’s the right fit for your business.

By reading this post, you'll gain an understanding of how Shopify Capital works, the costs involved, and the considerations you need to factor in before opting for this type of financing. Whether you’re just starting or looking to scale, this comprehensive guide will provide the clarity you need.

What is Shopify Capital?

Shopify Capital is a financing program offered by Shopify to help merchants secure the funding they need to grow their businesses. This funding can come in two forms: merchant cash advances or loans. Both options offer lump-sum financing which is repaid as a percentage of daily sales, but they differ in their structure and terms.

Merchant Cash Advances

In a merchant cash advance, Shopify purchases a portion of your future sales revenue. You receive a lump sum upfront and repay it with a portion of your daily sales until the total agreed amount, including a fixed fee, is repaid.

For instance, Shopify might offer you $5,000 for future sales worth $5,650, with a remittance rate of 10%. This means 10% of your daily sales will be deducted and sent to Shopify until the $5,650 is fully repaid. There is no fixed timeline for repayment; it depends on your sales volume.

Loans

Unlike merchant cash advances, Shopify Capital loans come with a fixed borrowing cost. After receiving the loan, you repay the total amount, inclusive of the borrowing cost, through a percentage of your daily sales. The specifics, such as the daily repayment rate and the total payment amount, will be determined based on your business risk profile.

Pricing Structure of Shopify Capital

Understanding the pricing structure of Shopify Capital is crucial. Here we break down the fees, remittance rates, and overall costs involved:

Fixed Fee (Merchant Cash Advance)

The primary cost for a merchant cash advance is the fixed fee. This fee is included in the total amount you have to repay and is agreed upon at the time of funding. For example, if you receive a $5,000 cash advance, and the total to remit is $5,650, the fixed fee is $650.

Borrowing Cost (Loan)

The main cost associated with a loan through Shopify Capital is the borrowing cost, which adds to the total repayment amount. If you borrow $5,000 with a borrowing cost of $650, you'll have to repay $5,650.

Remittance Rate (Merchant Cash Advance)

This is a pre-agreed percentage of your daily sales used to repay the merchant cash advance. The rate remains fixed and ensures that payments are proportionate to your earnings.

Daily Payment Percentage (Loan)

For Shopify Capital loans, the daily payment percentage is similar to the remittance rate but applies to loan repayments. This percentage is deducted from your daily sales until you repay the total amount.

Example Calculations

To illustrate, let’s consider two examples: one for a merchant cash advance and another for a loan.

Merchant Cash Advance Example

• Amount Advanced: $5,000
• Fixed Fee: $650
• Total to Remit: $5,650
• Remittance Rate: 10%

If on Day 1, your sales amount to $1,000, Shopify will remit 10%, which is $100. If on Day 2, sales drop to $500, the remittance would be $50. This continues until the $5,650 is repaid.

Loan Example

• Loan Amount: $5,000
• Borrowing Cost: $650
• Total Payment Amount: $5,650
• Daily Payment Percentage: 10%

Following a similar pattern, if your sales on Day 1 are $1,000, the daily payment would be $100. On a $500 sales day, it would be $50, and so on.

Advantages of Shopify Capital

No Hard Credit Checks

One significant advantage is the absence of hard credit checks, which can be beneficial if your credit score isn’t stellar. Shopify relies more on your store’s performance data to evaluate eligibility and terms.

Flexible Repayments

Repayments are proportional to your daily sales, meaning they fluctuate with your revenue. This can relieve pressure during slower sales periods.

Quick Access to Funds

Shopify Capital provides rapid access to funds, often within a few business days. This can be critical when you need to seize time-sensitive opportunities like stock inventory during a sale.

Considerations Before Opting for Shopify Capital

While Shopify Capital offers many benefits, it’s essential to weigh these against your specific business needs and capabilities.

Cost Consideration

The fixed fee or borrowing cost can be higher compared to traditional financing. It’s crucial to compare this cost to other financing options available to you.

Sales Dependency

Since repayments are a percentage of daily sales, low sales periods can extend the repayment duration. Ensure your business can sustain consistent sales levels.

Eligibility

Shopify Capital is not available to all merchants. Eligibility is determined by Shopify’s underwriting model, and offers can vary based on your store’s performance metrics.

Summary and Conclusion

In summary, Shopify Capital can be a lifeline for businesses needing rapid funding with flexible repayment terms. Whether opting for a merchant cash advance or a loan, understanding the pricing structure is key to making an informed decision. Always consider the cost, your sales volume, and other available financing options.

If managed well, Shopify Capital can empower your business to seize growth opportunities, manage inventory, and enhance marketing efforts without immediate financial strain. But as with any financial decision, thoughtful consideration and planning are paramount.

Frequently Asked Questions (FAQ)

Who is eligible for Shopify Capital?

Shopify Capital is available to select merchants in the United States, Canada, the United Kingdom, and Australia. Eligibility is determined by Shopify's underwriting model, which considers factors such as sales, disputes, and customer engagement.

How do I apply for Shopify Capital?

Eligible merchants will receive an email invitation or see available funding options in their Shopify admin. You can apply directly from the Capital page in your admin.

Can I repay Shopify Capital in a lump sum?

Yes, merchants have the option to remit any outstanding balance in a single lump sum at any time.

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

If approved, the funds are typically deposited into your business bank account within 1-3 business days.

What happens if my sales drop?

Since repayments are a percentage of your daily sales, lower sales mean smaller repayments. However, this may extend the time required to repay the total amount.