Back to BlogDesigned for Your Business Growth: Shift4 Capital
Fast, flexible funding built to support your next move. Whether you're planning renovations, investing in new equipment, hiring staff, expanding to a new location, or managing day-to-day cash flow, Shift4 Capital gives you quick access to funds so you can stay focused on running and growing your business.
Shift4 Capital is available to eligible Shift4 merchants worldwide.
Funding That Moves at the Speed of Your Business
Running a business means making decisions quickly. Opportunities don’t wait, and unexpected expenses rarely arrive at the “right” time.
Traditional financing can take weeks to secure and often comes with rigid repayment terms. Shift4 Capital was built differently: specifically for Shift4 merchants who need fast access to working capital, transparent pricing, and repayments that align with daily sales.
With Shift4 Capital, funding works in step with your business:
- Fast access to working capital
- Simple, transparent pricing
- Repayment that aligns with daily sales
How Shift4 Capital Works
Getting started is simple and fully integrated into the tools you already use.
Step 1: Log into Lighthouse
If you’re eligible, you’ll see a personalized funding offer directly in your dashboard.
Step 2: Complete a Quick Online Application
The streamlined process takes just minutes, with minimal documentation required.
Step 3: Review Your Offer
See your funding amount and one fixed fee clearly outlined before accepting, no hidden costs.
Step 4: Receive Your Funds
Once approved, funds are deposited directly into your account, often as quickly as the next business day.*
*Subject to regional banking timelines.
Why Merchants Choose Shift4 Capital
Simple, Transparent Terms
Shift4 Capital offers a straightforward alternative to traditional bank loans. Instead of compounding interest and fixed monthly payments, you get one clear fixed fee and a repayment structure that adjusts automatically with a percentage of your daily sales. There are no hidden charges and no lengthy approval processes: just transparent terms designed to work with your business.
Tailored Funding Offers
Eligible merchants can access funding of up to double their monthly card or online revenue, giving you the capital you need to grow, invest, or manage cash flow.
Fast, Convenient Access
Once approved, funds can be delivered in as little as 24 hours, so you can act quickly when opportunities arise. Your Lighthouse dashboard also makes it easy to track repayment history and manage your funding anytime, anywhere.
Flexible Growth Support
Whether you're upgrading equipment before a busy season, refreshing your space, expanding your team, or navigating short-term cash flow needs, Shift4 Capital provides the flexibility and confidence to move your business forward.
Ready to See Your Offer?
Log into your Lighthouse dashboard to check your eligibility and explore your personalised funding offer today. Because when the right opportunity comes along, your funding should be ready too.