面向美国商家的 Shopify Capital 贷款
Shopify Capital 贷款是您通过 Shopify Capital 收到的一次性付款（称为贷款金额），以固定借贷成本作为回报。贷款金额加上固定借贷成本称为欠款总额。贷款金额将存入您的企业银行账户，然后，您的每日销售额的一定百分比将用于偿还 Shopify Capital，直到还清欠款总额。欠款总额和每日还款比例取决于您的风险状况。
如果您的商店符合申请贷款的条件，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贷款的条件。
本页相关主题
申请贷款
跟踪您的还款情况
偿还余款
还款涉及哪些内容？
申请贷款
您可以直接从 Shopify 后台的资本页面查看您的资金选项并申请贷款。
步骤：
在 Shopify 后台中，转到设置 > 资本。
在 Shopify Capital 中查找资格消息，然后点击查看资金供应。
在资本页面上，您会看到三种资金选项。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、总欠款，以及将从您的每日销售额中扣除并偿还给 Shopify Capital 的每日偿还率。
验证用于 Shopify Capital 的身份和企业详细信息（如果被要求这样做）。
在查看贷款条款并提交申请对话框中，仔细查看条款，然后点击商家贷款协议，该协议将在另一个浏览器标签页卡中打开。
仔细查看商家贷款协议的条款。如果您同意条款，请返回查看贷款条款并提交申请对话框，然后点击提交申请。
即使您之前已收到过 Shopify Capital 融资，也可能需要重新验证用于 Shopify Capital 的详细信息。您的请求将接受审核，您将在 1-3 个工作日内收到是否获得批准的信息。如果获得批准，贷款将汇入您的企业银行账户。
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。
您收到贷款后的两个工作日内，Shopify Capital 将开始根据您的每日销售收入从您的企业银行账户中扣除每日还款金额。
跟踪您的还款情况
收到您的贷款后，您可以在 Shopify 后台的资金页面中的 Shopify Capital 下跟踪您总欠款的未缴余额。
在资本页面中，您可以查看以下还款信息：
总欠款的未缴余额。
已偿还的欠款总额。
还款的转账历史记录。
在报表的转账历史记录部分，总销售额列显示每日销售收入，金额列显示向 Shopify Capital 偿还的收入金额。
偿还余款
您可以针对贷款偿还高于 20 美元的任意金额，也可一次性偿还剩余的全部未缴余额。付款将从与您的 Shopify 账户关联的同一企业银行账户中扣除。
步骤：
在 Shopify 后台中，转到设置 > 资本。
点击进行付款。
选择您要支付的金额：
若要手动付款，请在自定义金额字段中输入金额。
若要全额支付，请点击全部未缴余额。
点击下一步并查看要偿还的金额。
点击进行付款。
完成还款后，您将收到一封确认电子邮件。
还款涉及哪些内容？
为了计算每日将偿还给 Shopify Capital 的金额，每日偿还率将应用于您商店的每日销售收入。
为了便于计算还款额，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、订单处理方式或订单之后是否退款或取消。
在计算还款金额时排除测试订单
计算还款金额时，您商店的每日销售收入中不包括的唯一订单是当 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，在计算当日的还款金额时，此订单将包含在您商店的销售收入中。
Shopify商户官网原文详情：
Shopify Capital loan for merchants in the United States
A Shopify Capital loan is a lump sum (called the loan amount) that you receive through Shopify Capital in return for a fixed borrowing cost. The loan amount plus the fixed borrowing cost is called the total owed. The loan amount is deposited into your business bank account, and then a percentage of your daily sales is repaid to Shopify Capital until the total owed is repaid. The total owed and daily repayment rate depend on your risk profile.
If your store is eligible to apply for a loan, 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 loan.
On this page
Request a loan
Keep track of your loan repayments
Repay the remaining balance
What's included in the repayment?
Request a loan
You can view your funding options and request a loan directly from the Capital page of your Shopify admin.
Steps:
From your Shopify admin, go to Settings > Capital.
Find the eligibility message from Shopify Capital, and then click View funding offers.
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.
If asked to do so, verify your identity and business details for Shopify Capital.
In the Review loan terms and submit your application dialog, carefully review the terms, and then click Merchant Loan Agreement to open it in another browser tab.
Carefully review the terms of the Merchant Loan Agreement. If you agree with the terms, then go back to the Review loan terms and submit your application dialog, and click Submit application.
You might be asked to re-verify your details for Shopify Capital, even if you have previously received funding through Shopify Capital. Your request will be reviewed, and you'll hear whether you've been approved within 1-3 business days. If you're approved, then your loan will be delivered to your business bank account.
Within two business days after you've received the loan, Shopify 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.
Repay the remaining balance
You can repay any amount over 20 USD against your loan, or the full remaining balance in one lump sum. The payment is debited from the same business bank account that's associated with your Shopify account.
Steps:
From your Shopify admin, go to Settings > Capital.
Click Make a payment.
Choose the amount that you want to pay:
To make a manual payment, enter the amount in the Custom amount field.
To pay the full amount, click Full remaining balance.
Click Next step and review the amount to be repaid.
Click Make a payment.
You will receive a confirmation email when your repayment is complete.
What's included in the repayment?
To calculate the amount that will be repaid to Shopify Capital each day, the daily repayment rate is applied to your store's daily sales revenue.
For the purpose of calculating repayment, 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.
Excluding test orders from repayment
When calculating repayment, the only orders that are not included in your store's daily sales revenue are test orders that were placed when Shopify Payments was in test mode. If test mode was not enabled when an order was placed, then the order is included in your store's sales revenue when the day's repayment is calculated.
文章内容来源：Shopify商户官方网站
