Is Shopify Capital in violation of Predatory Lending Laws?

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Considering the loan amount can be  involuntarily confiscated within a day after being issued if some large sale comes in resulting in an effective rate in the hundreds of % along  with:


- the excessively large percentage of the sale as a repayment,

- poor customer support,

- arbitrary interference in the store operation without cause,

- lack of transparency in the ownership and operation,

- aggressive liens without oversight or justification

- general bad business practices.

- poor and misleading programming practices regarding information on transactions

- etc.


Why does Shopify risk its brand reputation by associating with this shady outfit?

Who in Shopify is making the business decision to allow this to continue?