ShopKeep Capital

ShopKeep Capital is a safe, easy service to get the funds you need to grow your business. We offer eligible merchants the opportunity to request a cash advance that can be used towards a variety of business needs, such as purchasing inventory, building a new business website, hiring new employees, investing in marketing initiatives, and more.

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Frequently Asked Questions

What is ShopKeep Capital?

ShopKeep Capital is a service in which select ShopKeep Payments merchants can request cash advances. The service provides capital upfront (purchase price) in exchange for a business’s future credit card sales revenue (purchase amount).

Why use ShopKeep Capital?

Merchants are not subject to fixed monthly payments but enjoy a simple, seamless process, with a set percentage of the proceeds from their daily credit card sales applied to the balance until the advance has been remitted. This service helps small business owners overcome one of the largest challenges that stands in their way of growth – lack of easy access to capital.

Check out our ShopKeep Capital blog post for more information.

What can I use the cash advance for?

If approved, you must use the cash advance in a way that helps your business. You have flexibility to use the funds in a variety of ways to help your business including replenishing inventory, upgrading equipment, running promotions, or developing your website.

The advance cannot be used to pay off personal debt or any personal expenses.

Am I eligible?

Eligible merchants will be able to apply directly from BackOffice. Please see our Request ShopKeep Capital section below for more information.

If you have questions about your eligibility or the amount you are eligible for, please email us at

How and when is the Purchased Amount delivered to ShopKeep?

11% of your MasterCard and Visa credit and debit card sales are withheld from your daily batches until the full balance of the advance is remitted.

Can I apply for an amount larger than the advance listed in BackOffice?

Eligibility is determined using a number of factors related to your business, and the initial offer found in BackOffice is generally not adjustable.

Please reach out to us at if you have any questions on eligibility.

Is this a loan?

No. ShopKeep provides a merchant cash advance which is not a loan.

A merchant cash advance is a purchase of future receivables at a price less than the amount expected to receive. A cash advance is remitted as a percentage of income on each future sale. A loan is borrowed money that is paid back according to a set schedule, by a certain deadline.

Is there a payment schedule?

There is no set payment schedule or contract period as this is a merchant cash advance not a loan.

What’s the interest rate?

As this isn’t a loan, there is no interest rate.

What’s the cost to me?

Based on the amount of funds requested, there is an associated flat fee. This fee is displayed in the Capital section of BackOffice. See our Request ShopKeep Capital section below for more information.

I have an existing cash advance through ShopKeep Capital, can I request additional funds?

You will have the opportunity to renew your cash advance for additional capital once 75% of your active advance balance is remitted. If approved, the renewal will remain on hold until the current balance is $0.

How to Request ShopKeep Capital

Eligible merchants will see a Capital section in BackOffice when logged in as the account’s Business Owner.
Note: Eligibility requirements are updated on a regular basis, so if you don’t see the Capital section in BackOffice, keep an eye out or email for more information

  1. In BackOffice, select ‘Capital’.
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  2. Use the slider to select the amount of funds to request, then click 'Request'.

    Available amounts are based on your personal eligibility and differ for each account.

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  3. Read the form and provide the needed information.
    • The last 4 digits of the bank account where you receive your daily ShopKeep Payments deposits.
    • The last 4 digits of the SSN of the individual who created the ShopKeep Payments account.
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  4. Review and acknowledge the terms outlined in each document, then click 'Submit'.
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  5. Wait for an email from the ShopKeep Capital team about your status.

What's Next?

This section will let you know next steps once you know the status of your request a cash advance from Shopkeep Capital.

If approved for Capital:

  • You will receive funds in your ShopKeep Payments bank account within 2 business days.
  • Every day, 11% of your MasterCard and Visa batch will be split and sent to ShopKeep, and you will receive 89% in your bank, until the full balance is remitted.
  • The above mentioned batch splitting will automatically begin once funds are received.
  • If not approved for Capital:

  • You will receive an email making you aware of your status.
  • If you have questions, please contact our team at

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