面向英国商家的 Shopify Capital 商家现金垫款
Shopify Capital 在英国提供商家现金垫款。商家现金垫款是您可以申请的一次性垫款并且向您收取一笔固定费用。您需要向 Shopify Capital 支付每日销售额的特定百分比，直到全额付清。汇付总额和汇付比例取决于您的风险状况。
例如，Shopify Capital 可能会给您预付 5,000 英镑，然后从您商店的每日销售额中收取 5,650 英镑。您会在您的企业银行账户中收到 5,000 英镑，然后，Shopify Capital 将收取您商店每日总销售额的 10%，直到您支付的总额达到 5,650 英镑。汇付超过汇付总额的 25% 后，您可以选择一次性汇付未缴余额。
将总额汇付至 Shopify Capital 没有最后期限。每日汇付金额由商店的每日销售额决定，因为汇付比例是商店每日销售额的百分比。汇付金额会从您的企业银行账户中自动扣除。
如果您的商店符合获得商家现金垫款的资格，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商家现金垫款的条件。
本页相关主题
申请商家现金垫款
汇出未缴余额
跟踪您的商家现金垫款汇付
了解汇付
申请商家现金垫款
如果您有符合申请商家现金垫款的条件，则可以查看您的融资选项并直接在 Shopify 后台的资金供应页面上请求商家现金垫款。
步骤：
在 Shopify 后台中，转到设置 > 资金，然后点击供应。
在资金页面上，请比较不同融资选项的条款，然后点击所需选项下方的申请。
每个选项的条款将包括收款金额、Shopify Capital 将收取的汇付总额，以及将从您的每日销售额中扣除并汇付给 Shopify Capital 的汇付比例。
查看您的银行和账户详细信息，然后点击确认企业详细信息和确认并继续。如果您需要更新此信息，请联系 Shopify 支持。
点击确认并设置直接扣款。
请仔细阅读应收账款购买协议。如果您同意服务条款，请点击接受条款。
通常需要一个工作日才能处理商家现金垫款申请。您可以在 Shopify 后台的资金页面上查看请求的状态。
如果您的申请获得批准，您的商家现金垫款应在两个工作日内存入您的商业银行账户。
汇出未缴余额
汇付超过汇付总额的 25% 后，您可以选择一次性汇付未缴余额。付款将从与您的 Shopify 账户关联的同一企业银行账户中扣除。只有当您已汇出的金额至少达到汇付总额的 25% 时，才可以选择汇付未缴余额。
步骤：
在 Shopify 后台中，转到设置 > 资本。
点击 汇出余款
在提示时查看要汇出的余款。如果您确定要汇出全部余款，则请勾选授权框并点击汇出余款。
处理一次性汇付可能最多需要 3 个工作日。在处理期间，所有定期汇付都会暂停。
完成总额汇付后，您将收到确认电子邮件。
请求其他商家现金垫款
收到商家现金垫款后，您可能需要请求其他商家现金垫款才能获取额外的财务支持。
如果您符合申请其他商家现金垫款的条件，您的 Shopify 后台中的资金供应页面上便会显示新的融资选项。
跟踪您的商家现金垫款汇付
收到商家现金垫款后，您可以在 Shopify 后台中转到设置 > 资金，以跟踪要偿还或汇付的总额的未缴余额。
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。
了解汇付
在您获得销售额的每一天，系统都会将您的总销售额乘以固定百分比（汇付比例）来计算汇付金额。对于销售额较高的日期，您的汇付金额也更多，而对于销售额较低的日期，汇付金额也较少。您需要持续进行汇付，直到 Shopify Capital 从您的未来销售收入中获得了全部约定金额（汇付总额）。每笔汇付都会自动从您的银行账户中扣除并汇付给 Shopify。
对于计算汇付额，您商店的每日销售收入包括当天标记为已付款的所有订单，不考虑订单来源、处理订单的方式或订单之后是否退款或取消。
下表显示了一位商家五天的汇付示例，此商家需将 15,000 英镑的未来销售收入汇付给 Shopify Capital，汇付比例为 10%：
| 天 | 每日收入 | Shopify Capital 的份额 | 余额 |
|---|---|---|---|
| 1 | 100 英镑 | 10 英镑 | 14,990 英镑 |
| 2 | 150 英镑 | 15 英镑 | 14,975 英镑 |
| 3 | 125 英镑 | 12.50 英镑 | 14,962.50 英镑 |
| 4 | 175 英镑 | 17.50 英镑 | 14,945 英镑 |
| 5 | 105 英镑 | 10.50 英镑 | 14,934.50 英镑 |
在计算汇付金额时排除测试订单
计算汇付金额时，商店每日销售收入中唯一不包括的一类订单就是 Shopify Payments 处于测试模式时所下的测试订单。如果在下订单时未启用测试模式，则在计算当天的汇付金额时，此订单将包含在商店的销售收入中。
Shopify商户官网原文详情：
Shopify Capital merchant cash advance for merchants in the United Kingdom
In the United Kingdom, Shopify Capital offers merchant cash advances. 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. The total to remit and the remittance rate depend on your risk profile.
For example, Shopify Capital might advance you 5,000 GBP for 5,650 GBP paid from your store's daily sales. You receive 5,000 GBP into your business bank account, and Shopify Capital receives 10% of your store's gross daily sales until the total 5,650 GBP is paid. 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.
If your store is eligible to apply for a merchant cash advance, 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 a merchant cash advance.
On this page
Request a merchant cash advance
Remit the remaining balance
Keep track of your merchant cash advance remittances
Understanding remittance
Request a merchant cash advance
If you're eligible to apply for a merchant cash advance, then you can view your funding options and request a merchant cash advance directly on the Capital Offers page in your Shopify admin.
Steps:
From your Shopify admin, go to Settings > Capital, and then click Offers.
On the Capital page, compare the terms of the different funding options, and then click Request beneath the option that you want.
The terms of each option 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.
Review your bank and account details, and then click Confirm business details and Confirm and continue. If you need to update this information, then Contact Shopify Support.
Click Confirm and set up Direct Debit.
Carefully read the Receivables Purchase Agreement. If you agree with the terms and conditions, then click Accept terms.
It typically takes one to five business days for merchant cash advance applications to be processed. You can view the status of your request on the Capital page in your Shopify admin.
If your application is approved, then your merchant cash advance should be deposited in your business bank account within two business days.
Remit the remaining balance
When you've remitted over 25% of your total to remit, then you have the option to remit the remaining balance in a single lump sum. The payment is debited from the same business bank account that's tied to your Shopify account. The option to remit the remaining balance becomes available only after you've remitted at least 25% of your total to remit.
Steps:
From your Shopify admin, go to Settings > Capital.
Click Remit balance.
At the prompt, review the balance to be remitted. If you're sure that you want to remit the full amount of the remaining balance, then check the authorization box and click Remit balance.
It might take up to 3 business days to process the lump sum remittance. All regular remittances are paused during the processing period.
You receive a confirmation email when your lump sum remittance is complete.
Request another merchant cash advance
After you receive a merchant cash advance, you might want to request another merchant cash advance for additional financial support.
If you're eligible to apply for another merchant cash advance, then new funding options display on the Capital Offers page in your Shopify admin.
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.
Understanding remittance
For every day that you make sales, a fixed percentage (the remittance rate) is applied to the gross amount of your sales to calculate your remittance. On days when your sales are high, your remittance is bigger, and on days when your sales are low, your remittance is smaller. You continue to make remittances until Shopify Capital has received the full agreed amount of your future sales revenue (the total to remit). Each remittance is automatically debited from your bank account and remitted to Shopify.
For the purpose of calculating remittance, your store's daily sales revenue includes every order that was marked as paid that day, regardless of the source of the order, how payment was processed, or whether the order was later refunded or canceled.
This table shows an example of five days of remittances for a merchant who has sold 15,000 GBP worth of their future sales revenue to Shopify Capital, with a remittance rate of 10%:
Day Daily revenue Shopify Capital's share Balance 1 100 GBP 10 GBP 14,990 GBP 2 150 GBP 15 GBP 14,975 GBP 3 125 GBP 12.50 GBP 14,962.50 GBP 4 175 GBP 17.50 GBP 14,945 GBP 5 105 GBP 10.50 GBP 14,934.50 GBP Excluding test orders from remittance
When calculating remittance, the only orders that are not included in your store's daily sales revenue are test orders that are placed when Shopify Payments is in test mode. If test mode is not enabled when an order is placed, then the order is included in your store's sales revenue when the day's remittance is calculated.
文章内容来源：Shopify商户官方网站
