Shelfline Capital · Invoice Factoring
Invoice factoring for wholesale and distribution — $25,000 to $5,000,000
If you ship to retailers, distributors or 3PL customers on terms, factoring usually beats an advance — because we underwrite the creditworthiness of the company that owes the invoice, not yours.
Invoice Factoring — the numbers
| Term | Shelfline Capital |
|---|---|
| Facility size | $25,000 to $5,000,000 |
| Advance rate | 80% to 93% of the invoice face value |
| Cost | 1% to 3.5% per 30 days outstanding |
| Time to set up | 2 to 7 business days |
| Time to fund an invoice | Same day once the facility is live |
| Minimum credit score | None — we underwrite your customer, not you |
| Minimum time in business | 3 months |
| Recourse | Recourse and non-recourse both available |
| Concentration | Single-customer concentration above 50% is reviewed case by case |
| Documents | Accounts-receivable ageing, sample invoices, customer list |
| Notification | Notification and non-notification facilities both available |
What retail and e-commerce operators use it for
- Shipping to a big-box retailer on net-60 or net-90
- Covering the production run for the next PO while the last one is unpaid
- Growing faster than retained earnings allow
- Taking on a large customer whose terms you could not otherwise carry
- Bridging a receivables gap without adding a balance-sheet obligation
Worked example
A distributor ships $600,000 a month to regional grocery chains on net-60. A factoring facility advances 90% on each invoice the day it is issued, so the cash cycle compresses from 60 days to same-day. The cost is a discount on each invoice for the days it is actually outstanding — which, on a customer that pays in 45 days, is materially cheaper than an 18-month advance.
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.
Invoice Factoring — questions
Whose credit is underwritten?
Your customer's. This is why factoring carries no minimum FICO and a much shorter time-in-business requirement than any other product on this site.
Will my customers know?
Only on a notification facility. Non-notification arrangements are available and are common for brands who do not want the relationship disturbed.
What is the difference between recourse and non-recourse?
On recourse, you buy the invoice back if your customer does not pay. On non-recourse, we carry the credit risk on an approved customer — it costs more for that reason.
Is there a monthly minimum?
No monthly minimum and no long-term contract on our standard facility.
Can I factor some invoices and not others?
Yes. Spot and selective factoring are both available, though a whole-ledger facility prices better.
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.
- Equipment Financing — POS, refrigeration, racking, forklifts, packing lines, delivery vehicles. Up to 100% of cost.
Find out what invoice factoring would cost on your file.
No application fee. Soft credit inquiry. Same-day decision.
Or call (888) 896-5559 · Mon–Fri 9am–7pm ET, Sat 9am–2pm ET