Shelfline Capital · About
A direct lender built for one kind of business
Shelfline Capital underwrites retail and e-commerce files in house, first, on every one — and publishes what it requires so you do not spend a day finding out.
What we do
We provide working capital, lines of credit, term loans, SBA loans, equipment financing and invoice factoring to retailers, marketplace sellers, direct-to-consumer brands, wholesalers and distributors across all fifty states.
Working capital, lines of credit and equipment financing are underwritten in house. SBA and conventional term products are packaged here and placed with our FDIC-insured bank and SBA-preferred lending partners, because those products require a chartered institution. The specific lender on any approved financing is disclosed in your agreement before you sign.
Why we publish our numbers
Almost every funder in this market makes you submit an application to find out whether you are eligible. We think that is backwards. Our minimums, our ranges, our speed, our documentation requirements and our prepayment terms are on this site in plain text, on every page. If you do not clear a line, you will know in thirty seconds rather than three days.
The same principle applies to cost. We quote one number — the total dollar cost of funding — and you see it, with the payment, the number of payments and the total payback, on one page before you sign anything.
How we underwrite
Four months of business bank statements, across every account the business uses. We read deposits, not credit scores. A seller whose personal credit took a hit in a bad year but whose deposits are steady and growing is a file we want; a seller with a strong score and three undisclosed advances is not.
Every file is reviewed by a person. You speak to the same underwriter from application through closing.
Company
Shelfline Capital, 9719 S Dixie Hwy #8, Miami, FL 33156. Business financing to commercial entities only. We do not make consumer loans.
See what your file supports.
No application fee. Soft credit inquiry. Same-day decision.
Or call (888) 896-5559 · Mon–Fri 9am–7pm ET, Sat 9am–2pm ET