Shelfline Capital · Apply

Apply in four minutes

One page. No application fee. A soft credit inquiry that does not affect your personal credit score. Most files are decided the same business day, and funded in as little as 24 hours after you sign.

Start your application → Or call (888) 896-5559

What you will need

The application — about 4 minutes. Legal business name, EIN, time in business, monthly revenue, the amount you want and what it is for.

Four months of business bank statements. PDF upload or a read-only bank connection. Every account the business uses, not just the main one.

Nothing else, for working capital under $250,000. No tax returns. No financial statements. No business plan. No collateral.

Term, SBA and equipment products add documents. Your underwriter will tell you exactly which, on the call, before you gather anything.

What happens after you submit: a Shelfline underwriter reviews your file and calls you — usually within two hours during business hours, and by the next business morning if you apply overnight or on a weekend. You will speak to the same person through closing. We do not put you into an automated sequence.

Business hours: Monday–Friday, 9:00am–7:00pm ET; Saturday 9:00am–2:00pm ET.

What you need to qualify

Shelfline Capital published eligibility criteria. These are our actual requirements — there is no additional hidden screen.
Requirement	Shelfline minimum
Credit score	No minimum FICO. We do not decline on credit score alone.
Monthly revenue	$15,000 per month in business bank deposits
Time in business	6 months
Funding range	$10,000 to $2,000,000
Business location	All 50 U.S. states
Entity type	LLC, S-corp, C-corp, partnership, or sole proprietorship
Bank account	One U.S. business bank account
Documents to apply	One-page application plus your last 4 months of business bank statements. No tax returns and no financial statements for working capital under $250,000.
Decision	Same business day. Most files are decided in 2 to 6 hours.
Funding speed	As fast as 24 hours after you sign
Contract	Two pages.
Collateral	None required on working capital, lines of credit, or revenue-based funding
Personal guarantee	Standard validity guarantee only on working capital. Full guarantee on term, SBA and equipment products.
Prepayment	Discount of up to 30% of remaining cost if you pay off early
Credit inquiry	Applying is a soft inquiry. It does not affect your personal credit score.
Cost to apply	$0. No application fee, no broker fee, no fee of any kind unless you fund.

Who we do not fund: businesses under 6 months old; businesses under $15,000 a month in deposits; businesses with an open, undischarged bankruptcy; businesses without a U.S. business bank account; pre-revenue startups; personal or consumer borrowing; and any business whose primary activity is federally illegal.

We publish these numbers because they are the question. If you do not clear a line above, you will not waste a day finding out.

Four minutes. No fee. Soft inquiry.

Most files are decided the same business day.

Start your application →

Or call (888) 896-5559 · Mon–Fri 9am–7pm ET, Sat 9am–2pm ET