Shopify Capital application pending

[Retailqueen]

I’m so entirely upset with the capital process. I have literally had 4 loans paid off super urgent. Went to apply for my fifth loan and it has literally taken three weeks and I still don’t have an answer. It still says pending approval. I have reached out to so many advisors via the chat setting. And literally there is no one that can help besides saying that it’s still pending. How can you have someone with an application about your business and really no help about it. It’s like contacting your bank and being able to speak to center who can’t help you because they can’t see anything, but your application. Has anyone else ran into this over three weeks still pending capital application? 

[Retailqueen]

Mind you, the application states 1-4 business days after submission, you should have an answer. 

[knoir1]

Did you ever get a response? I'm surprised no team member has addressed this. It must be a real problem. I have noticed a lot of changes with capital lately. I'm beginning to believe something may be up with it. Perhaps Shopify is getting bulk funding from these banks, allowing it to sit in escrow for awhile to make a profit, and then administering or denying request. It's probably more denials lately. So many changes in the economy lately, the corporations play these money games.

[DaisyVo]

Hi @Retailqueen 

I totally get how frustrating this situation must be for you. You’ve successfully paid off four Shopify Capital loans before, so waiting over three weeks with no clear answer on your fifth application feels incredibly unhelpful—especially when support can’t provide real insights beyond “it’s still pending.” It’s understandable that you’d expect a quicker turnaround based on your solid history.

Here’s what’s likely happening: Shopify Capital applications go through an automated review process, but sometimes they get flagged for additional manual checks. These extra reviews can happen due to changes in sales patterns, chargebacks, or other business metrics Shopify considers when offering funding. Even if you’ve had previous loans, Shopify doesn’t guarantee new offers, and approvals depend on their risk assessment at the time of application.

What you can do right now:

1. Check your email carefully – Sometimes, Shopify may request additional verification or clarification, but these emails can end up in spam or promotions folders.
2. Review your business metrics – Look at your sales trends, recent disputes, or refunds. A dip in performance or an increase in chargebacks might slow down approval.
3. Keep reaching out – Live chat support has limited visibility into Capital applications, but you can try reaching Shopify Support via email or phone and request escalation.
4. Wait for the system update – Unfortunately, if it’s still under review, there’s no manual way to speed it up. If your application is denied, you may need to wait for a new offer.

Many merchants have experienced similar delays, especially during busy review periods. If it goes beyond 30 days with no response, I’d recommend following up with Shopify Support again and asking if your case can be escalated for further review.

If you need any other assistance, feel free to ask, and I will try my best to support you.
Best regards,
Daisy.