BusinessAugust 21, 20261 min read

Is Shopify Capital Halal? Merchant Cash Advance vs a Loan

Shopify Capital and similar MCAs: sale of future revenue vs a loan with surplus. How to read the contract. Educational, not a fatwa.

Short answer: If Shopify Capital (or Amazon’s seller lending) is a loan with a fixed extra, treat it as riba. If it is documented as a sale of a share of future receivables with real risk of shortfall, some researchers discuss other analogs — still contested. Upload the offer. Related: FBA. Not a fatwa.

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This article is educational and not a fatwa. Consult a certified Islamic scholar before taking merchant financing.