So far shopify never gave me any problems. I borrowed 38k once and paid it off, and now they are offering me again. To be honest it has been helpful for me to grow my business when I use their capital.
But little bit scary when I read the posts here. Little bit hesitant to take the next offer from them but I think I will end up taking it as I will be able to make a next leap and make my sale from $1000 per day to $2000 per day. It does make a difference to have money and to not have it when you do business. Money is the oxygen for business. when you run out or run short of it then it is a problem. Keeping the cash flow helps get back the money as well.