Capital 貸款

備注：Shopify Capital 貸款目前僅限于位于美國境內選定州的 Shopify 商店。

Shopify Capital 商家現金墊款面向加拿大和英國的選定商家。

Shopify Capital 貸款是您從 Shopify Capital 收到的一次性付款（稱為貸款金額），以固定借貸成本作為回報。貸款金額加上固定借貸成本稱為欠款總額。貸款金額將存入您的商業銀行賬戶，然后，您的每日銷售額的一部分將用于償還 Shopify Capital，直到 12 個月期限結束時償還欠款總額。

貸款的 12 個月期限分為 6 個 60 天的還款周期，稱為還款階段。每個還款階段都有最低還款金額，必須在 60 天的還款周期截止之前償還。如果未償還某還款階段的最低還款金額，則您支付的金額與該期限內最低還款金額之間的差額將從您的賬戶中扣除。

例如，Shopify Capital 可能會向您提供 5,000 美元的貸款，借款成本為 650 美元，償還率為 10%。收到的 5,000 美元將匯入您的業務銀行賬戶，并且 Shopify Capital 會收取您每日銷售收入的 10%，直到在 12 個月期限結束時償還了總欠額 5,650 美元為止。貸款的 6 個 60 天還款階段每次的最低償還金額為 941 美元（占總欠款的 1/6）。如果您已達到了第一個 60 天還款階段，并且僅通過每日還款償還了 800 美元，剩余的 141 美元則將從您的賬戶中扣除。

Shopify Capital 提供的貸款金額在 200 美元至 200 萬美元之間。欠款總額和每日還款費率取決于您的風險狀況。

申請貸款

您可以直接從 Shopify 后臺的資本頁面查看您的資金選項并申請貸款。

步驟：

1. 在 Shopify 后臺中，轉到設置 > 資本。

2. 在 Shopify Capital 中查找資格消息，然后點擊查看資金供應。

3. 在資金頁面，您將看到三種資金選項。比較資金選項的條款，然后單擊所需選項下方的申請。

   每個選項的條款將包括收到的金額、總欠款，以及將從您的每日銷售額中扣除并償還給 Shopify Capital 的每日償還率。

4. 在查看并接受條款對話框中，仔細查看條款和條件部分，然后點擊 Shopify Capital 協議，在另一個選項卡中打開它。

5. 請仔細查看 Shopify Capital 協議的條款。如果您同意這些條款，請返回 Review and accept terms（查看并接受條款）對話框，然后單擊接受條款。

Shopify Capital 將審核您的申請，您將在 2-5 個工作日內獲悉是否獲得批準。如果獲得批準，貸款將匯入您的商業銀行賬戶。

備注：如果您在請求資金時將您的支付服務提供商換為 Shopify Payments，則可能需要超過 5 個工作日的時間才能批準您的請求。

收到貸款兩天后，Shopify Capital 將開始根據您的每日銷售收入從您的商業銀行賬戶中扣除每日還款金額。

跟蹤您的還款情況

收到您的貸款后，您可以在 Shopify 后臺的資金頁面中的 Shopify Capital 下跟蹤您總欠款的未繳余額。

在資本頁面中，您可以查看以下還款信息：

• 總欠款的未繳余額。

• 已償還的欠款總額。

• 還款的轉賬歷史記錄。

在報表的轉賬歷史記錄部分，總銷售額列顯示每日銷售收入，金額列顯示向 Shopify Capital 償還的收入金額。

Shopify Capital loan

ntage of your daily sales is repaid to Shopify Ctal until the total owed is repaid at the end of the 12-month term.

The loan's 12-month term is divided into six 60-day repayment cycles called milestones. Each milestone has a minimum payback amount that must be met by the end of its 60-day cycle. If you don't meet a milestone minimum payback amount, then the difference between the amount you've paid and the milestone minimum payback amount will be debited from your account.

For example, Shopify Capital might loan you $5,000 with a borrowing cost of $650, and a repayment rate of 10%. The $5,000 amount received would be delivered to your business bank account, and Shopify Capital would receive 10% of your daily sales revenue until the $5,650 total owed is repaid at the end of the 12-month term. Each of the loan's six 60-day milestones would have a minimum payback amount of $941 (1/6 of the total owed). If you reached the first 60-day milestone and repaid only $800 through your daily repayments, then the remaining $141 would be debited from your account.

Shopify Capital is offering loan amounts between $200 and $2,000,000. The total owed and daily repayment rate depend on your risk profile.

Request a loan

You can view your funding options and request a loan directly from the Capital page of your Shopify admin.

Steps:

1. From your Shopify admin, go to Settings > Capital.

2. Find the eligibility message from Shopify Capital, and then click View funding offers.

3. On the Capital page, you'll see three funding options. Compare the terms of the funding options, and click Request beneath the one that you want.

   The terms of each option will include the amount received, the total owed, and the daily repayment rate that will be deducted from your daily sales and repaid to Shopify Capital.

4. In the Review and accept terms dialog, carefully review the Terms and conditions section, and then click Shopify Capital Agreement to open it in another browser tab.

5. Carefully review the terms of the Shopify Capital Agreement. If you agree with the terms, then go back to the Review and accept terms dialog, and click Accept terms.

Your request will be reviewed by Shopify Capital, and you'll hear whether you've been approved within 2-5 business days. If you're approved, then your loan will be delivered to your business bank account.

fy Capital will begin debiting the daily repayment from your business bank account based on your sales revenue each day.

Keep track of your loan repayments

After receiving your loan, you can track the remaining balance of your total owed from the Capital page of your Shopify admin under Shopify Capital.

From the Capital page, you can view the following repayment information:

• The remaining balance of the total owed.

• The amount of the total owed that has been repaid.

• The transfer history of repayments.

In the transfer history section of the report, the Total sales column shows each day's sales revenue, and the Amount column shows how much of that revenue is repaid to Shopify Capital.

特別聲明：以上文章內容僅代表作者本人觀點，不代表ESG跨境電商觀點或立場。如有關于作品內容、版權或其它問題請于作品發表后的30日內與ESG跨境電商聯系。