Shopify Capital offer delays and eligibility reviews are affecting long-time users who previously received offers quickly after hitting eligibility thresholds (e.g., 50%, 85%, 89%, 94%). Support repeatedly cites “in review” status, no timeframe, and a backlog.
Backlog context: Expansion to Australia (August) reportedly overwhelmed a small Capital team; multiple teams are now catching up. Shopify reps deny “running out of money,” but offer volume/timing remain inconsistent.
Offer changes: When offers appear, they’re often smaller with higher remittance rates (up to 17% of sales), compared to prior norms (≤14%). Eligibility percentages have fluctuated for some.
Workarounds reported:
Reusing old funding-offer emails or visiting /admin/capital/offers to submit a request. This worked for some (fast approvals, next-day funding) but not others.
Denials and reviews: Some users were told they don’t qualify due to recent sales declines or inventory shortages; moved to day-to-day eligibility review.
Recent updates: A few approvals have come through (including a quadruple offer), suggesting backlog easing; many still see no offers. An image was shared showing someone still receiving offers.
Outcomes and next steps: Several are exploring alternatives (PayPal Working Capital, Onramp, bank lines via Novo/Bluevine, Square). Discussion remains open with key criteria and timing unanswered.
I have utilized shopify capital to build my business and it’s been booming. I’ve had about 8 shopify capital loans and currently stand at 89% completion of a current loan. My eligibility was at 85%. I haven’t heard anything about new offers. I call and all I’m told is that I’m still in review with no time frame. Sometimes I’m told there is a backlog issue and I’ll receive an email when offers are ready. I’ve never had this issue, I normally see my offers within about 3 days of meeting my eligibility. it’s been about a month and the eligibility has now changed to 51%. is anyone else out there having this issue? How long was it before you seen offers pop up?
The exact same thing happened to me. I’ve had my loan 100% paid off and zero offers. It’s been 2 months since I hit 85%. Paid off in less than 5 months.
Same thing here—I passed the eligibility review some time ago without offers. I’m at 98% remitted and still no word. Kind of disappointing right before the holidays. I hope you see offers soon.
What original offer amount did you receive? I usually see offers at 50%, I’m at 49% now. The offers have gotten smaller, my last offer was $10K with 10% sales remittance but I usually receive offers for $18K with 14% remittance.
Nope. Mine have been through the roof and I’m making more money than ever before. My last loan was for $18,000 and I paid it off in less than 4 months. I’m not happy. I did everything right and literally haven’t had one offer in months.
Wow! Maybe they don’t have any capital to offer but I was definitely hoping there will be some for the holidays. My contact person is Joe Fazzali. I’m at 49% and will be at 50% Paid off capital, which is my eligibility requirement, by tomorrow and I’ll let you know if I get any offers in the next few days.
Same! I reached a few weeks ago my 50% on my 3rd capital loan and still no new offers. It shows eligibility review. I was really hoping to get another offer to get more inventory for the holidays
That’s interesting that it’s the bank level. I found another thread and someone from Shopify confirmed a backlog. But that conversation was in August! I guess a lot of shops are feeling this right now.
I received new offers at my 50% but not great ones, only up to $5800 with 17% remittance on sales. I never go over 14% but they did give me options to review. My contact person is out on paternity leave until November 1st so I would have to contact the Shopify Capital team to speak to someone about better offers.
So it can’t be backlogged if you already got an offer. I’ve literally been waiting 3 months after paying off 100%. You got an offer right away at 50%. Wow shopify.
But seriously! I’ve been trying to get funding for more inventory since Nov/Dec of 2021! They moved my eligibility from 50%-85% then after I reached my 85% they have now changed it back to %51! My sales are low because of low inventory and I closed my storefront last month so! I’m kinda pissed but I’ll rebuild!
