Products and Services — Business Financing Programs

Revenue Based Financing

Fast, revenue-based, unsecured capital

24–48 hr funding

Funding Amount	Typically $10,000 – $10,000,000
Cost Structure	Factor rate (e.g., 1.10 – 1.50); not a traditional interest rate
Repayment	Fixed weekly or monthly ACH debits
Term Length	6 – 24 months, based on repayment structure
Time to Fund	24 – 48 hours
Typical Qualifications	6+ months in business, minimal paperwork, credit-flexible approval driven mainly by revenue
Best Fit For	Businesses needing fast capital and/or bridging projects & receivables

0% introductory interest business credit card stacking

0% Intro APR

Program Type	Unsecured business credit card stacking — multiple 0% intro APR business cards combined into one credit facility
Introductory Rate	0% interest during the introductory period
Introductory Period	12 – 18 months, depending on the participating bank / card provider
Funding Amount	Based on applicant's personal credit profile and card approvals
How We're Paid	Success fee of 10% – 15% on the total funding amount obtained, charged on the backend
Time to Fund	Typically 1 – 4 weeks depending on the number of applications and bank response times
Typical Qualifications	Strong personal credit (generally 700+ FICO) or a qualified co-signer
Co-Signer Option	If the owner's personal credit is unqualified, a qualified co-signer can be utilized
Best Fit For	Startups and established businesses seeking low-cost introductory capital

Government-backed loan for established businesses needing working capital

Lowest cost

Loan Amount	Typically $50,000 – $10,000,000
Use of Funds	Working capital, payroll, inventory, expansion, and debt refinancing
Term Length	Up to 10 years for working capital / 25 years if real estate is involved
Rate Structure	Variable, tied to Prime + lender spread; generally the most competitive rate available
Time to Fund	30 – 120 days
Typical Qualifications	2+ years in business, good personal credit (generally 660+), positive cash flow, full financial documentation
Best Fit For	Established businesses that can wait on funding in exchange for the lowest cost of capital

Revolving credit facility for ongoing or seasonal working capital needs

Revolving

Credit Limit	Typically $10,000 – $1,000,000+
Use of Funds	Cash flow gaps, seasonal needs, inventory, and ongoing working capital
Rate Structure	Variable, typically Prime + spread; interest charged only on funds drawn
Draw Terms	Revolving draw — draw, repay, and re-draw as needed during the draw period
Time to Fund	2 – 6 weeks for initial approval
Typical Qualifications	Established business history, solid credit and cash flow; may require collateral for larger limits
Best Fit For	Businesses with recurring or seasonal cash flow needs wanting flexible, reusable access to capital

Traditional installment financing for a specific business purpose

Fixed term

Loan Amount	Typically $25,000 – $1,000,000+
Use of Funds	Equipment, expansion, acquisition, debt consolidation, and large one-time purchases
Term Length	3 – 10 years
Rate Structure	Fixed or variable; based on Prime Rate
Time to Fund	2 – 5 weeks
Typical Qualifications	2+ years in business, strong credit and financials
Best Fit For	Business expansion and planned, one-time growth investments

Installment financing based on personal credit & income — business or personal use

1–5 day funding

Loan Amount	Typically $5,000 – $100,000
Use of Funds	Debt consolidation, startup costs, business injection, large purchases, and personal expenses
Term Length	2 – 7 years
Rate Structure	Fixed rate, based on personal credit profile
Time to Fund	1 – 5 business days
Typical Qualifications	Generally 640+ FICO, verifiable income, and acceptable debt-to-income (DTI) ratio
Best Fit For	Individuals, new business owners, or personal credit consolidation

Tell us the basics about your business and a funding advisor will match you to the right program — usually the same day.

Start My Application → 📞 (212) 287-5263 ✉ shimon@shopfunder.com