TikTok Shop Capital

Overview

TikTok Shop Capital provides eligible sellers with solutions to access funds sooner and support business growth. Depending on eligibility, available options may include Early Settlement provided by TikTok Shop, as well as financing products offered by third-party partners.
The program is currently invitation-only. If you have a pre-qualified and/or pre-approved offer, it will appear in Seller Center under the Finances tab.

Available solutions

The following solutions may be available based on your eligibility.

Early Settlement (by TikTok Shop)

Early Settlement allows sellers to access sales revenue sooner through accelerated order settlement.

• Under the standard settlement schedule, funds are settled into your Net Earnings according to the Dynamic Settlement Policy.
• With Early Settlement enabled, once an order is shipped, TikTok Shop may settle up to 90% of the order value into your Net Earnings as early as the same day.

Flex Loans and Term Loans (powered by Parafin)

Flex Loans and Term Loans provide additional funding beyond your current sales.

• Flex Loans: Receive a lump-sum loan and repay it through a fixed percentage of your sales, automatically deducted from the bank account linked to your TikTok Shop payouts.
• Term Loans: Receive a lump-sum loan and repay it in fixed amounts on a scheduled basis, typically biweekly.

Daily Advance (powered by Storfund)

Daily Advance provides funding based on your TikTok Shop sales, helping you access funds sooner.

• After orders are shipped, you may receive up to 80% of your net sales as early as shipment day +1.
• The remaining amount is paid according to the standard payout schedule, minus applicable fees.
• Funding amounts scale with your sales performance and are not subject to a fixed limit.

Frequently Asked Questions

1. What solutions are available through TikTok Shop Capital?

• Subject to eligibility, our range of solutions may feature:
  • Early Settlement (by TikTok Shop) — allows you to access up to 90% of your eligible order value upon shipment.
  • Parafin loans — including Flex Loans and Term Loans.
  • Daily Advance powered by Storfund.

2. Where can I find my offers?

• You can find available offers in Seller Center → Finances → Capital.

3. What is Early Settlement and how does it work?

• Early Settlement allows sellers to access sales revenue earlier through accelerated order settlement. Once an order is shipped, TikTok Shop may settle up to 90% of the order value into your Net Earnings as early as the same day. Learn more here.

4. Who provides funding and makes financing decisions?

• TikTok Shop is not a lender or a loan broker. Early Settlement is provided by TikTok Shop. Partner financing products such as Daily Advance, Flex loans and Terms loans are provided and underwritten by partners, including Storfund and Parafin.

5. How do repayments work for partner financing products?

• Repayment terms depend on the partner and product.
  • Storfund (Daily Advance): the advanced amount and fees are deducted when TikTok Shop processes the regular payout for your orders.
  • Parafin loans: repayments are automatically debited from the business bank account linked to your TikTok Shop payouts. Flex Loans are repaid as a percentage of gross sales, while Term Loans follow a fixed repayment schedule.

6. Does enrolling in the program affect my credit score?

• Enrolling in the program does not affect your credit score.

7. How long does the application and assessment process take?

• Applications are quick to complete. If approved, funding is typically received within 1–2 business days, and many sellers receive funding within one business day.

8. I have additional questions. What is the best way to contact your team for more details?

• For Early Settlement, learn more here.
• For inquiries about Parafin loans, please visit www.parafin.com.
• Contact Storfund about Daily Advance on +1 415 570 8768 (voice calls only) or at tiktok@storfund.com.