- Short answer
- Shopify's Capital marketing pages say no guarantors; no Help Center page we checked mentions a personal guarantee.
- Where the wording appears
- Capital page: “no guarantors”. BFCM page for loans: “no personal guarantee”.
- The agreement itself
- No Shopify page we checked publishes it; search your funding terms for guarantee, guarantor, collateral and default clauses.
- Loan collateral
- Australia, Canada, France, Germany and US pages: a security interest in business assets. Glossary: loan collateral doesn't include personal property.
- Cash advance (IE, NL, ES, UK)
- No country help page we checked describes a security interest or collateral for an advance; check your own terms.
- Shopify Payments (separate terms)
- Shopify may require a personal guarantee from a principal for funds owed under the Payments terms.
What does Shopify say about a personal guarantee?
Shopify's Capital page advertises "no guarantors" and lists "No personal liability" against traditional loans; its seasonal BFCM page for loans says "no personal guarantee." The Capital page puts no footnote mark beside "no guarantors".
No Capital page in Shopify's Help Center that we read on October 11, 2026 — the overview, eligibility, document-upload, glossary, Capital Flex and country pages — describes a personal guarantee, either as a requirement or as something Capital does without, and none of the Shopify pages we checked publishes the Capital agreement itself.
Shopify's eligibility page says you must review and agree to the funding terms before submitting. Read them for guarantee, guarantor, collateral and default clauses, and ask Shopify or a lawyer about any you cannot place.
What secures a Shopify Capital loan or advance?
Where Capital is a loan — Australia, Canada, France, Germany and the United States — each of those five country pages says the loan agreement includes a security interest in business assets if loan obligations aren't met. Shopify's glossary says of loan collateral: "Collateral doesn't include any of your personal property or assets."
In Ireland, the Netherlands, Spain and the United Kingdom it is a merchant cash advance, and none of those four country pages, read on October 11, 2026, describes a security interest or collateral for an advance. Our Shopify Capital guide compares the loan and the advance.
A collateral rule is not a guarantee clause, and a page's silence is not a term: check your own terms for both.
Which Shopify terms mention a personal guarantee?
We found one in another product's published terms. The Shopify Payments Terms of Service say Shopify "may require a personal guarantee from a principal of a business for funds owed under this Agreement" and "will specifically inform you in advance" if it does.
That clause covers funds owed under the Payments agreement and says nothing about a Capital offer. If Shopify asks for a guarantee, check which agreement the request names.
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