Shopify Capital 商家现金垫款

商家预付现金是您可以申请收取固定费用的一笔钱。您向 Shopify Capital 支付每日销售额的特定百分比，直到全额付清。

例如，Shopify Capital 可能会给您预付 5,000 美元，然后从您商店的未来销售额中收取 5,650 美元，汇付比例为 10%。收到的 5,000 美元将转入您的企业银行账户，Shopify Capital 将收取您商店每日总销售额的 10%，直到达到待汇付的总额 5,650 美元。汇付超过待汇付总额的 25% 后，您可以选择一次性汇付未缴余额。

将总额汇付至 Shopify Capital 没有截止日期。每日汇付额由商店的每日销售额决定，因为汇付率是商店每日销售额的百分比。汇付金额会从您的商业银行账户中自动扣除。

Shopify Capital 提供的融资金额在 200 美元至 200 万美元之间，或者在 200 加元至 200 万加元之间。汇付总额和汇付比例取决于您的风险状况。

申请商家现金垫款

您可以直接从 Shopify 后台的资金页面查看您的资金供应并请求商家现金垫款。

步骤：

1. 在 Shopify 后台中，转到设置 > 资本。

2. 在 Shopify Capital 中查找资格消息，然后点击查看资金供应。

3. 资金页面会提供不同的资金选项。请比较资金选项的条款，然后点击所需选项下方的申请。

   每个选项的条款将包括收到的金额、Shopify Capital 将收到的汇付总额，以及将从您的每日销售额中扣除并汇入 Shopify Capital 的汇付率。

4. 在查看并接受条款对话框中，仔细查看条款和条件部分，然后点击 Shopify Capital 协议，在另一个浏览器选项卡中打开它。

5. 如果您位于加拿大境内，请仔细查看 Shopify Capital 协议和预授权借记协议的条款。如果您同意这些条款，请返回查看并接受条款对话框，然后点击接受条款。

备注：接收一笔金额后，如果您在加拿大境内，并且想要更改接收 Shopify Payments 款项和汇付的银行账户，则需要联系客服以完成新的预授权借记协议。

Shopify Capital 将审核您的申请，您将在 2-5 个工作日内获悉是否获得批准。如果获得批准，您的商家现金垫款将汇入您的商业银行账户。

备注：如果您在请求资金时将您的支付服务提供商换为 Shopify Payments，则可能需要超过 5 个工作日的时间才能批准您的请求。

收到商家现金垫款的两天后，Shopify Capital 将开始根据您的每日销售收入从您的商业银行账户中扣除每日汇付额。

跟踪您的商家现金垫款汇付

收到商家现金垫款后，您可以转到设置 > 资金，从而在 Shopify 后台中跟踪总额中要偿还或汇付的未缴余额。

在资金页面中，您可以查看：

• 未缴余额。

• 您已付款的金额、付款占总额的百分比以及转账历史记录。

您可以在转账历史记录部分的总销售额列中查看每天的销售收入。您可以在金额列中查看已向 Shopify Capital 支付的金额。

Shopify商户官网原文详情：

Shopify Capital merchant cash advance

A merchant cash advance is a lump sum of money that you can apply to receive for a fixed fee. You pay Shopify Capital a percentage of your daily sales until the total amount is paid.

For example, Shopify Capital might advance you $5,000 to for $5,650 paid from your store's future sales, with a remittance rate of 10%. The $5,000 amount received is transferred to your business bank account, and Shopify Capital receives 10% of your store's gross daily sales until the full $5,650 total to remit has been remitted. After you remit over 25% of your total to remit, then you have the option to remit the remaining balance in a single lump sum.

There is no deadline for remitting the total to Shopify Capital. The daily remittance amount is determined by your store's daily sales, because the remittance rate is a percentage of your store's daily sales. The remittance amount is automatically debited from your business bank account.

Shopify Capital offers funding amounts between $200 to $2,000,000 USD or $200 to $2,000,000 CAD. The total to remit and remittance rate depend on your risk profile.

Request a merchant cash advance

You can view your funding offers and request a merchant cash advance 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, there are different 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 to remit that Shopify Capital will buy, and the remittance rate that will be deducted from your daily sales and remitted 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 and the Pre-authorized debit agreement if you are in Canada. 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 merchant cash advance will be delivered to your business bank account.

Two days after you've received the merchant cash advance, Shopify Capital will begin debiting the daily remittance from your business bank account based on your sales revenue each day.

Keep track of your merchant cash advance remittances

After receiving your merchant cash advance, you can track the remaining balance of your total to pay back, or remit, in your Shopify admin by going to Settings > Capital.

From the Capital page, you can view:

• the remaining balance.

• the amount that you've paid, what percentage of the total is paid, and the transfer history.

You can view each day's sales revenue in the Total sales column of the transfer history section. You can view how much is paid to Shopify Capital in the the Amount column.

文章内容来源：Shopify商户官方网站