Straightforward from the start
Tell us what you need. We'll come back with real options and a straight answer on what they cost — usually within hours, from the people actually lending the money.
Tap through the programs. Costs and timelines differ a lot — picking the right one matters more than negotiating the rate.
A credit line you draw against when you need it and pay for only what you use. The most flexible thing we offer, and the one most owners end up wanting once they understand it.
The same revolving flexibility at a lower cost, because it's secured against business assets. If you have equipment, receivables or inventory on the books, this is usually the cheaper way to hold a line.
One lump sum, one agreed schedule, one payoff date. The simplest structure there is, and the right answer when you know exactly what the money is for and what it will return.
Government-backed, and the lowest rates and longest terms available anywhere. The trade-off is time and paperwork — which is the part we handle. Most owners never apply for one because the process looks daunting from outside.
The equipment itself secures the financing, which is why approvals are quick and the cost is low. Covers new and used, and can cover soft costs like delivery and installation too.
Most people who call us don't know which product they want, and that's completely fine. Tell us roughly what you need and what it's for, and we'll come back with the option that actually fits rather than the one that's easiest to sell.
The businesses that need financing most often go without it — not because they wouldn't qualify, but because the process looks like more than they want to take on. Somewhere in the back of your mind is a folder of tax returns, a bank appointment, and a conversation you'd rather not have.
That picture is a decade out of date, and it was never accurate for anyone outside a traditional bank.
Here's the actual sequence. You tell us your email and roughly what you're looking for. Someone reads it — a person, not a scoring rule — and comes back with the programs that fit your situation and what each one would cost. You pick one, or you don't. Nothing happens to your credit while you're deciding, and there's no fee to find out.
The reason it can work that way is that we're the lender. There's no packet being assembled for a committee somewhere else, and no auction of your details to whoever bids. One company, one file, one person you can call back.
Three steps, none of which require you to leave your desk.
Your email, roughly how much, and what it's for. Two minutes, no credit check, and nothing to prepare beforehand.
A person reads your file — not a form-scoring robot. You'll hear which programs fit and what they'd actually cost.
Choose the option you like, sign, and the money moves. Depending on the program that can be the same day.
The three places you can get this money, and how they actually differ.
| Traditional bank | Online marketplace | Shield Funding | |
|---|---|---|---|
| Where the money comes from | The bank itself | Sold to a lender network | Us — we're the lender |
| Who sees your information | The bank | Every buyer of the lead | Only us |
| Credit score requirement | Typically 700+ | Usually a hard floor | No minimum score |
| Time to a decision | 2 – 6 months | 1 – 2 weeks | Same day to a few days |
| Paperwork to start | Returns, P&L, plan | Varies | A short form |
| Programs available | One or two | Whoever bids | LOC, term, SBA, equipment |
Comparison describes typical industry practice. Your terms depend on your application and business financials.
Rated 4.9 out of 5 on Trustpilot across 899+ reviews, and A+ with the Better Business Bureau.
“Within a matter of 1.5 days he got us approved with both loans.”
“They funded my business within less than 24 hours of my initial contact. Highly recommend!”
“No surprises, just pure delivery on exactly what was promised. Excellent terms.”
Two minutes, no credit check, no obligation. You'll know your options and what they cost — and if now isn't the moment, you'll have the number for when it is.
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