Shelfline Capital · Contact
Talk to an underwriter
If you want a decision, applying is faster — it takes four minutes and most files are decided the same business day. If you want to ask a question first, here is how to reach us.
How to reach us
| Phone | (888) 896-5559 |
|---|---|
| Hours | Monday–Friday, 9:00am–7:00pm ET · Saturday 9:00am–2:00pm ET |
| Partners | Partner program → |
| 9719 S Dixie Hwy #8, Miami, FL 33156 |
Please do not send bank account numbers, full Social Security numbers or full EINs by email. Your underwriter will give you a secure upload link.
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
| 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.
A four-minute application beats a phone call.
No application fee. Soft credit inquiry. Same-day decision.
Or call (888) 896-5559 · Mon–Fri 9am–7pm ET, Sat 9am–2pm ET