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Shopify Merchant Fundraising Calculator: Capital RBF vs. Seed Equity

Compare Shopify Capital / Revenue-Based Financing (factor fee, daily sales remittance, and effective annualized APR) against a Post-Money SAFE Seed round, and match with active Commerce & AI venture capital firms.

1. Store & Financing Inputs

Monthly GMV (USD)$180,000

Gross Margin (%)62%

YoY Growth (%)120%

Capital Needed / Advance (USD)$500,000

Shopify Capital / RBF Flat Factor Fee (%)11%

Daily Sales Remittance Rate (%)15%

Post-Money SAFE Valuation Cap (USD)$8,000,000

2. Effective Cost & Dilution Readout

RBF Effective Annualized APR 35.1%

SAFE Equity Dilution 6.25%

Est. RBF Payback Window 20.6 mo

Monthly Gross Profit Absorbed 24.2%

3. Recommended Commerce & AI Venture Partner

Mode VC (Managing Partner: Mark Liang) invests $1M to $5M initial checks across Pre-Seed, Seed, and Series A rounds (and can lead) in AI-enabled commerce, developer tools, and proprietary distribution moats.

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