Shopify Capital

Shopify Capital 向符合条件的企业提供现金垫款和贷款。

如果您的商店符合申请 Shopify Capital 融资的条件，您将收到 Shopify Capital 的电子邮件，并会在 Shopify 后台的主页页面收到消息。如果您没有收到 Shopify Capital 的电子邮件或消息，则表示您的商店目前不符合申请 Shopify Capital 融资的条件。

当您点击选择融资金额并申请融资时，融资审批流程便会开始。如果融资获得批准，您将在企业银行账户中收到相应资金。

在查看 Shopify Capital 支持的融资选项之前，先阅读我们的术语表将会很有帮助。

本页相关主题

• 从 Shopify Capital 获得融资的资格

• 修改或拒绝 Shopify Capital 融资请求

• Shopify Capital 和 Shopify Payments

• Shopify Capital 和第三方支付服务提供商

从 Shopify Capital 获得融资的资格

如果您有资格申请 Shopify Capital 融资，您将收到电子邮件并在 Shopify 后台的主页页面上看到消息，内容为邀请您查看可用融资选项。

如果您未收到查看融资选项的邀请，则表示您目前不符合向 Shopify Capital 申请融资的条件。

修改或拒绝 Shopify Capital 融资请求

Shopify Capital 的审核流程分为两个阶段。在第一阶段，Shopify Capital 会将您的商店确定为可能有资格进入融资预审阶段。在第二阶段，Shopify Capital 团队会检查您商店的申请，并确认您的商店是否有资格获得请求的融资金额。

修改融资金额

在审核流程的第二阶段，如果 Shopify Capital 团队确定您的商店没有资格获得请求的融资金额，他们可能会将预审金额修改为您的商店有资格获得的金额。

拒绝融资请求

在审核流程的第二阶段，如果 Shopify Capital 团队确定您的商店目前不符合获得融资的条件，您的融资请求将被拒绝。如果您的商店将来符合条件，您将再次受邀查看可用的融资选项。

Shopify Capital 和 Shopify Payments

Shopify Capital 适用于使用 Shopify Payments 以及第三方支付网关的符合条件商家。我们鼓励您使用 Shopify Payments，因为它是第一方产品，旨在通过提供业绩洞察、自定义分析以及对其他 Shopify 财务解决方案的获取途径来帮助您取得成功。

如果您在收到 Shopify Capital 融资时使用 Shopify Payments，您将无法停用 Shopify Payments，直到全额偿还欠款总额为止。如果您尝试在与 Shopify Capital 签订的持续资金协议的生效期间停用 Shopify Payments，您将看到消息无法停用 Shopify Payments。全额偿还欠款总额后，您便可停用 Shopify Payments。

您仍然可以从 Shopify 后台的设置 > 支付服务提供商处更改与您的 Shopify Payments 关联的企业银行账户。这将更改您的 Shopify Payments 收入款项存入的企业银行账户以及扣除 Shopify Capital 还款的企业银行账户。还款和收入款项必须从相同账户中进行处理。

Shopify Capital 和第三方支付服务提供商

如果您使用的是第三方支付服务提供商，您可以点击 Shopify 后台的资金设置页面上的更改银行账户来随时更改您的银行信息。

Shopify商户官网原文详情：

Shopify Capital

Cash advances and loans are offered to eligible businesses through Shopify Capital.

If your store is eligible to apply for funding through Shopify Capital, then you'll receive an email from Shopify Capital and a message on the Home page of your Shopify admin. If you don't receive an email or message from Shopify Capital, then your store isn't currently eligible to apply for funding through Shopify Capital.

When you click to select a funding amount and request funding, the process to approve funding is started. If funding is approved, then you receive the amount in your business bank account.

You might find it helpful to read our glossary of terms before reading about the funding options supported by Shopify Capital.

On this page

• Eligibility for funding through Shopify Capital

• Revision or refusal of Shopify Capital funding requests

• Shopify Capital and Shopify Payments

• Shopify Capital and third-party payment providers

Eligibility for funding through Shopify Capital

If you're eligible to apply for funding through Shopify Capital, then you'll receive an email and see a message on the Home page of your Shopify admin inviting you to view your available funding options.

If you do not receive an invitation to view your funding options, then you are not eligible to apply for funding from Shopify Capital at this time.

Revision or refusal of Shopify Capital funding requests

The Shopify Capital underwriting process has two stages. During the first stage, Shopify Capital identifies your shop as potentially eligible to pre-qualify for funding. During the second stage, the Shopify Capital team looks at your shop’s application and confirms whether your shop is eligible to receive the amount of funding requested.

Revision of funding amount

During the second stage of the underwriting process, if the Shopify Capital team determines that your shop is not eligible to receive the amount of funding requested, they may revise the pre-qualified amounts to an amount that your shop is eligible to receive.

Refusal of funding request

During the second stage of the underwriting process, if the Shopify Capital team determines that your shop is not eligible to for funding at this time, your funding request will be refused. If your shop becomes eligible in the future, you will be invited to view available funding options again.

Shopify Capital and Shopify Payments

Shopify Capital is available to eligible merchants using Shopify Payments as well as eligible merchants using third-party payment gateways. We encourage you to use Shopify Payments because it's a first-party product that's designed to help you succeed by offering insight into your performance, custom analytics, and access to other Shopify financial solutions.

If you're using Shopify Payments when you receive funding through Shopify Capital, then you can't deactivate Shopify Payments until the total amount owed is fully repaid. If you try to deactivate Shopify Payments while you're in an ongoing funding agreement with Shopify Capital, then you'll see an Unable to deactivate Shopify Payments message. When the total amount owed is fully repaid, then you can deactivate Shopify Payments.

You can still change the business bank account that is associated with your Shopify Payments in your Shopify admin at Settings > Payment providers. This changes the business bank account where your Shopify Payments payouts are deposited, as well as where your Shopify Capital repayments are withdrawn from. The repayments and payouts cannot happen from separate accounts.

Shopify Capital and third-party payment providers

If you use a third-party payment provider, then you can change your banking information at any time by clicking Change bank account on the Capital settings page of your Shopify admin.

文章内容来源：Shopify商户官方网站