Shelfline Capital · Equipment Financing
Equipment financing for retail and e-commerce — $5,000 to $1,000,000
POS and payment hardware, refrigeration, shelving and racking, forklifts, conveyors, packing and labelling lines, delivery vehicles. The asset secures itself, so the credit bar is lower than an unsecured product.
Equipment Financing — the numbers
| Term | Shelfline Capital |
|---|---|
| Amount | $5,000 to $1,000,000 |
| Advance | Up to 100% of equipment cost |
| Term | 24 to 72 months |
| Payment | Fixed monthly |
| Time to fund | 1 to 5 business days |
| Minimum credit score | 600 |
| Minimum time in business | 12 months |
| Collateral | The financed equipment |
| Documents | Equipment quote or invoice plus 3 months of bank statements |
| New or used | Both. Private-party sales considered. |
| Soft costs | Delivery, installation and training can usually be included |
What retail and e-commerce operators use it for
- Point-of-sale and payment hardware across a store estate
- Walk-in refrigeration and display cases
- Warehouse racking, shelving and mezzanine
- Forklifts, pallet jacks and dock equipment
- Packing, labelling and automated fulfilment lines
- Delivery vans and box trucks
Worked example
A distributor financing a $180,000 automated packing line over 60 months keeps the cash that would have gone into it available for inventory. Because the line itself secures the facility, the credit requirement is materially lower than an unsecured advance of the same size.
Illustrative only. Your actual amount, cost and term are set by underwriting after we review your statements. Nothing here is an offer of credit.
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.
Equipment Financing — questions
Can I finance used equipment?
Yes, including private-party purchases. Age and condition affect the term.
Do you cover delivery and installation?
Usually, yes. Soft costs can generally be rolled into the financed amount.
Is a down payment required?
Often none — we finance up to 100% of cost on qualifying files.
Is there a Section 179 consideration?
Equipment financing is frequently structured with the tax treatment in mind. Confirm the specifics with your own tax adviser; we do not give tax advice.
Can I finance equipment and take working capital at the same time?
Yes. They do not compete for the same cash, which is why it is a common pairing.
Other products
- Working Capital — Revenue-based funding against your deposits. The fastest path to an inventory buy.
- Line of Credit — A revolving facility you draw on when a PO lands and repay when the goods sell.
- Term Loans — Fixed amount, fixed payment, 12 to 60 months, for a buildout or an acquisition.
- SBA Loans — 7(a) up to $5,000,000 through our bank and SBA partners, for the lowest cost of capital available.
- Invoice Factoring — Advance against invoices issued to retailers, distributors or 3PL customers on net-30 to net-90 terms.
Find out what equipment financing would cost on your file.
No application fee. Soft credit inquiry. Same-day decision.
Apply for equipment financing →
Or call (888) 896-5559 · Mon–Fri 9am–7pm ET, Sat 9am–2pm ET