Shelfline Capital · Working Capital
Working capital for retail and e-commerce — $10,000 to $2,000,000
The fastest path to an inventory buy. We advance against your business bank deposits across every channel you sell on, with a fixed ACH remittance and no claim on your inventory.
Working Capital — the numbers
| Term | Shelfline Capital |
|---|---|
| Amount | $10,000 to $2,000,000 |
| Term | 4 to 18 months |
| Total cost of funding | 9% to 34% of the amount advanced |
| Remittance | Fixed daily or weekly ACH from your business account |
| Collateral | None. Inventory is not pledged. |
| Personal guarantee | Validity guarantee only |
| Prepayment | Discount of up to 30% of remaining cost |
| Minimum revenue | $15,000 per month in deposits |
| Minimum time in business | 6 months |
| Minimum credit score | None |
| Documents | 4 months of business bank statements |
| Decision | Same business day, most files in 2–6 hours |
What retail and e-commerce operators use it for
- Inventory purchase orders and deposits on overseas production
- Customs duty and freight due before the goods sell
- Media spend ahead of a launch or a seasonal push
- Payroll through the gap between cash out and cash in
- Buying out a supplier's stock at a discount
- Bridging a marketplace reserve or an extended settlement hold
Worked example
A four-year-old seller doing $180,000 a month in deposits places a $175,000 inventory buy with a 45% gross margin and a 90-day sell-through. We advance $175,000. Total cost of funding at that term is roughly $31,500 — about 18% of the amount advanced. The buy generates roughly $318,000 in revenue and about $143,000 in gross profit, so the cost of funding consumes about 22% of the profit the buy produces. Paid off at day 75, the prepayment discount returns up to 30% of the remaining cost.
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.
Working Capital — questions
How is the amount sized?
Against your average monthly business bank deposits across all accounts and all channels, typically 1x to 1.5x of a month's deposits for a first position, more once you have a repayment history with us.
Is my inventory collateral?
No. Working capital at Shelfline is unsecured. Fulfilment-centre and in-transit inventory are not pledged.
Can I take this if I already have a platform advance outstanding?
Yes. Tell your underwriter the balance and the remittance rate and we size around it.
What is the remittance schedule?
Fixed daily or weekly ACH from your business operating account. It does not vary with your sales and it is not taken at the terminal or from a settlement balance.
Is there a prepayment penalty?
No. The opposite — pay off early and you keep up to 30% of the remaining cost.
Other products
- 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.
- Invoice Factoring — Advance against invoices issued to retailers, distributors or 3PL customers on net-30 to net-90 terms.
Find out what working capital 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