Compliance & Licensing

Entity

Shelfline Capital, 9719 S Dixie Hwy #8, Miami, FL 33156. Telephone (888) 896-5559.

Commercial financing only

We provide financing to commercial entities for business purposes only. We do not make consumer loans and no product offered is a consumer financial product.

Origination

Working capital, lines of credit and equipment financing are underwritten and funded in house. SBA and conventional term products are originated by our FDIC-insured bank and SBA-preferred lending partners. The specific lender on any approved financing is disclosed in the financing agreement.

State commercial financing disclosure laws

We comply with the New York Commercial Finance Disclosure Law for transactions involving New York-based businesses, and with the applicable commercial financing disclosure laws of California, Utah, Virginia, Georgia and other states as they apply. State-specific disclosures are provided in the agreement at approval.

Equal Credit Opportunity Act

We comply with the federal Equal Credit Opportunity Act, which prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant's income derives from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law for this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552.

Privacy and data protection

We maintain an information privacy and safeguards program consistent with the Gramm-Leach-Bliley Act, and honour CCPA rights for California residents subject to the exceptions applicable to financial institutions. Data is encrypted in transit with TLS 1.3 and at rest with AES-256. Bank connections used for underwriting are read-only.

Underwriting

Every file is reviewed by a person. We do not decline on credit score alone and there is no minimum FICO on working capital, lines of credit or invoice factoring.

Credit reporting

We may report payment performance to commercial credit bureaus. We do not report business financing performance to consumer credit bureaus.

Complaints

Call (888) 896-5559 or write to Shelfline Capital, 9719 S Dixie Hwy #8, Miami, FL 33156. We acknowledge complaints within five business days.

No minimum FICO · $15,000+ monthly revenue · 6+ months in business · $10,000–$2,000,000 · Same-day decision · Funded in as little as 24 hours · Two-page contract · Prepayment discount up to 30%

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