Get funded fast.
Grow without limits.
Shim Capital gets American businesses $25K to $5M in days — not months. SBA, lines of credit, term loans, bridge, real estate, and revenue-based funding. No collateral. All credit welcome. Capital that moves at your speed.
One quick app. Every kind of capital.
Most lenders sell you the one product on their shelf. We structure across the whole market and match you to what actually fits — then move fast.
SBA Loans
Government-backed money with the longest terms and lowest cost of capital — for owners ready to expand, acquire, or refinance.
Business Line of Credit
Tap it when you need it, pay only for what you use. Always-on capital for payroll, inventory, and whatever comes next.
Term Loans
A lump sum, predictable payments, a clear payoff date. Perfect for a defined project with a real return.
Bridge Financing
Short-term capital to cover the gap — grab the opportunity, close the deal, stay liquid while permanent financing lands.
Commercial Real Estate
Buy it, refinance it, or pull the equity out — owner-occupied or investment. Competitive rates, flexible structures.
Revenue-Based Funding
Funding tied to your revenue, not your credit score. The fastest cash on the menu for businesses with steady deposits.
From "let's go" to funded in 3 steps.
No 40-page packages. No runaround. Apply in minutes and talk to a real decision-maker the same day.
Apply in 2 minutes
Tell us about your business and how much you want. Just a soft pull to start — your credit score stays untouched.
Get a real offer — today
We size up your numbers and structure the right product: SBA, line of credit, term, bridge, real estate, or revenue-based.
Get the cash — fast
Say yes and we wire the capital — often the same day, frequently within 24 hours of approval. Then go build.
A funder that actually picks up the phone.
Shim Capital is a direct, founder-led funder. You're not a ticket in a queue — you're a relationship we plan to keep.
Speed that wins deals
Approvals in as little as 24 hours and cash that can hit your account the same day. When timing decides the deal, we move first.
Real humans, real answers
One person who knows your file by name. Founder-led decisions — not a call center reading from a script.
Flexible by default
Bank said no? We structure around revenue, seasonality, and reality. Every credit profile is welcome to apply.
Every industry, no exceptions
Restaurants, contractors, retail, trucking, medical, e-commerce, services — if you run a business, we fund it.
Built by an operator who's sat on your side of the table.
Shim Capital LLC is an independent business funder — not a bank, and we don't act like one. We've spent years funding the owners the traditional system overlooks, and we built this firm to do it faster, fairer, and with a phone number someone actually answers.
- Direct capital — we make the call, not a committee three time zones away.
- Plain-English terms, explained before you sign a thing.
- A long-term partner for every stage of your growth.
- Soft credit pull to get started
- No obligation, no upfront fees to apply
Owners who needed capital — and got it.
"Applied on a Tuesday, funded by Thursday. The line of credit let us take on a contract twice our usual size."
"My bank said no over one slow year. Shim looked at where we're headed, not just where we'd been. Total game changer."
"Straight answers, fair terms, and someone who actually picked up when I called. That's rare in this business."
Everything you're wondering.
How fast can I actually get funded?
What credit score do I need?
How much can my business qualify for?
What do I need to apply?
Do you require collateral?
What does it cost to apply?
Ready to grow? Let's get you funded.
Apply in two minutes and see what Shim Capital can do for your business — with a decision in as little as 24 hours.
Get My Funding → 2-Minute ApplicationContact Information
Reach us directly — our team is here to help you get funded fast.
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