How Shopify Capital Uses Quantile Regression To Help Merchants Succeed

6 minute read Shopify Capital provides funding to help merchants on Shopify grow their businesses. But how does Shopify Capital award these merchant cash advances? In this post, I'll dive deep into the machine-learning technique our Risk-Algorithms team uses to decide eligibility for cash advances. The exact features that go into the predictive model that powers Shopify Capital are secret, but I can share the key technique we use: quantile regression.