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.
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.
Government-backed money with the longest terms and lowest cost of capital — for owners ready to expand, acquire, or refinance.
Tap it when you need it, pay only for what you use. Always-on capital for payroll, inventory, and whatever comes next.
A lump sum, predictable payments, a clear payoff date. Perfect for a defined project with a real return.
Short-term capital to cover the gap — grab the opportunity, close the deal, stay liquid while permanent financing lands.
Buy it, refinance it, or pull the equity out — owner-occupied or investment. Competitive rates, flexible structures.
Funding tied to your revenue, not your credit score. The fastest cash on the menu for businesses with steady deposits.
No 40-page packages. No runaround. Apply in minutes and talk to a real decision-maker the same day.
Tell us about your business and how much you want. Just a soft pull to start — your credit score stays untouched.
We size up your numbers and structure the right product: SBA, line of credit, term, bridge, real estate, or revenue-based.
Say yes and we wire the capital — often the same day, frequently within 24 hours of approval. Then go build.
Shim Capital is a direct, founder-led funder. You're not a ticket in a queue — you're a relationship we plan to keep.
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.
One person who knows your file by name. Founder-led decisions — not a call center reading from a script.
Bank said no? We structure around revenue, seasonality, and reality. Every credit profile is welcome to apply.
Restaurants, contractors, retail, trucking, medical, e-commerce, services — if you run a business, we fund it.
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.
"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."
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 Application