Inability to customize capital loan amount

Shopify Discussion

Topic summary

Main issue: A merchant seeks a $30k Shopify Capital loan, but current offers are $165k, $115k, and $69k. The assigned account manager says the amount can’t be customized downward.

Shopify staff update: Initially referenced “rates,” then clarified that offer amounts cannot be lowered or raised; amounts are fixed. They state this policy has been in place for more than a year.

Merchant concerns: They previously took 12 loans and were able to select lower amounts. Their dashboard also says funding can be customized (screenshot provided), prompting questions about what customization actually covers.

Staff response: The responder isn’t on the loans team and couldn’t explain the customization wording. They advised continuing to work with the assigned account manager for details.

Outcome/status: No concrete resolution on the dashboard contradiction. Current official position is fixed offer amounts. Discussion remains open; next steps are to seek clarification from the account manager on what, if anything, is customizable.

Summarized with AI on December 24. AI used: gpt-5.
1

Hello,

I need assistance with a Shopify Capital issue.

I’ve used Shopify Capital multiple times before and am now trying to get a new loan from my current offers.

The account manager assigned to me says she can’t customize the loan amount.

I only want a $30k loan, but my available offers are for $165k, $115k, and $69k. She insists that I can’t get $30k. This has never been an issue before.

Could an admin confirm if it’s true that offers can no longer be customized to get a lower amount, as I am not trying to go above my offers, but below instead?

If this account manager is unable to assist, who should I contact for further help?

I’m urgently trying to secure a new loan for inventory.

Thank you very much!

2

Hi @Mujex

This is a great question and I can definitely understand the value of adjusting the loan offers to better suit your business. At this time we will not be able to provide rates that are different from the ones being currently offered to you. I recommend connecting with your assigned account manager for any further support on the matter.

3

But I should be able to receive a lower amount? Correct? Irrelevant of the rate.

4

Apologies, I used the wrong terminology in my earlier reply. The capital offer values cannot be lowered, or raised. The amount is fixed.

5

Is this a recent change?

I took 12 loans before and I was always able to get a lower amount than the present offers.

6

Hey @Mujex

I checked in with our team and they confirmed that this change has been in place for more than a year. I definitely recognize the benefits of being able to change the amount of the offered financing and this is feedback I have shared with the relevant teams.

7

Then why does the dashboard says the offer funding can be customized?

If you say it can’t be customized, what does the customization consist of?

Thank you!

customize offer.png
customize offer.png1363×638 36.5 KB

8

I am not part of the team that handles our loans or cash advances so I can’t speak to the customization options that may be available. I recommend connecting with your account manager to request more insight into the customization options you can choose from with these loan offers.