Shopify Capital 貸款申請(qǐng)和還款情況

shopify新聞

2022-03-28

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備注：Shopify Capital 貸款目前僅限于位于美國(guó)境內(nèi)選定州的 Shopify 商店。

Capital 貸款

備注：Shopify Capital 貸款目前僅限于位于美國(guó)境內(nèi)選定州的 Shopify 商店。

Shopify Capital 商家現(xiàn)金墊款面向加拿大和英國(guó)的選定商家。

Shopify Capital 貸款是您從 Shopify Capital 收到的一次性付款（稱為貸款金額），以固定借貸成本作為回報(bào)。貸款金額加上固定借貸成本稱為欠款總額。貸款金額將存入您的商業(yè)銀行賬戶，然后，您的每日銷售額的一部分將用于償還 Shopify Capital，直到 12 個(gè)月期限結(jié)束時(shí)償還欠款總額。

貸款的 12 個(gè)月期限分為 6 個(gè) 60 天的還款周期，稱為還款階段。每個(gè)還款階段都有最低還款金額，必須在 60 天的還款周期截止之前償還。如果未償還某還款階段的最低還款金額，則您支付的金額與該期限內(nèi)最低還款金額之間的差額將從您的賬戶中扣除。

例如，Shopify Capital 可能會(huì)向您提供 5,000 美元的貸款，借款成本為 650 美元，償還率為 10%。收到的 5,000 美元將匯入您的業(yè)務(wù)銀行賬戶，并且 Shopify Capital 會(huì)收取您每日銷售收入的 10%，直到在 12 個(gè)月期限結(jié)束時(shí)償還了總欠額 5,650 美元為止。貸款的 6 個(gè) 60 天還款階段每次的最低償還金額為 941 美元（占總欠款的 1/6）。如果您已達(dá)到了第一個(gè) 60 天還款階段，并且僅通過每日還款償還了 800 美元，剩余的 141 美元?jiǎng)t將從您的賬戶中扣除。

Shopify Capital 提供的貸款金額在 200 美元至 200 萬美元之間。欠款總額和每日還款費(fèi)率取決于您的風(fēng)險(xiǎn)狀況。

申請(qǐng)貸款

您可以直接從 Shopify 后臺(tái)的資本頁(yè)面查看您的資金選項(xiàng)并申請(qǐng)貸款。

步驟：

在 Shopify 后臺(tái)中，轉(zhuǎn)到設(shè)置 > 資本。
在 Shopify Capital 中查找資格消息，然后點(diǎn)擊查看資金供應(yīng)。
在資金頁(yè)面，您將看到三種資金選項(xiàng)。比較資金選項(xiàng)的條款，然后單擊所需選項(xiàng)下方的申請(qǐng)。
每個(gè)選項(xiàng)的條款將包括收到的金額、總欠款，以及將從您的每日銷售額中扣除并償還給 Shopify Capital 的每日償還率。
在查看并接受條款對(duì)話框中，仔細(xì)查看條款和條件部分，然后點(diǎn)擊 Shopify Capital 協(xié)議，在另一個(gè)選項(xiàng)卡中打開它。
請(qǐng)仔細(xì)查看 Shopify Capital 協(xié)議的條款。如果您同意這些條款，請(qǐng)返回 Review and accept terms（查看并接受條款）對(duì)話框，然后單擊接受條款。

Shopify Capital 將審核您的申請(qǐng)，您將在 2-5 個(gè)工作日內(nèi)獲悉是否獲得批準(zhǔn)。如果獲得批準(zhǔn)，貸款將匯入您的商業(yè)銀行賬戶。

備注：如果您在請(qǐng)求資金時(shí)將您的支付服務(wù)提供商換為 Shopify Payments，則可能需要超過 5 個(gè)工作日的時(shí)間才能批準(zhǔn)您的請(qǐng)求。

收到貸款兩天后，Shopify Capital 將開始根據(jù)您的每日銷售收入從您的商業(yè)銀行賬戶中扣除每日還款金額。

跟蹤您的還款情況

收到您的貸款后，您可以在 Shopify 后臺(tái)的資金頁(yè)面中的 Shopify Capital 下跟蹤您總欠款的未繳余額。

在資本頁(yè)面中，您可以查看以下還款信息：

總欠款的未繳余額。
已償還的欠款總額。
還款的轉(zhuǎn)賬歷史記錄。

在報(bào)表的轉(zhuǎn)賬歷史記錄部分，總銷售額列顯示每日銷售收入，金額列顯示向 Shopify Capital 償還的收入金額。

Shopify Capital loan
ntage of your daily sales is repaid to Shopify Ctal until the total owed is repaid at the end of the 12-month term.
The loan's 12-month term is divided into six 60-day repayment cycles called milestones. Each milestone has a minimum payback amount that must be met by the end of its 60-day cycle. If you don't meet a milestone minimum payback amount, then the difference between the amount you've paid and the milestone minimum payback amount will be debited from your account.
For example, Shopify Capital might loan you $5,000 with a borrowing cost of $650, and a repayment rate of 10%. The $5,000 amount received would be delivered to your business bank account, and Shopify Capital would receive 10% of your daily sales revenue until the $5,650 total owed is repaid at the end of the 12-month term. Each of the loan's six 60-day milestones would have a minimum payback amount of $941 (1/6 of the total owed). If you reached the first 60-day milestone and repaid only $800 through your daily repayments, then the remaining $141 would be debited from your account.
Shopify Capital is offering loan amounts between $200 and $2,000,000. The total owed and daily repayment rate depend on your risk profile.
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.
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.
Carefully review the terms of the Shopify Capital Agreement. 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 loan will be delivered to your business bank account.
fy 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.