Capital that moves at
the speed of New York.
ShopFunder is the transparent marketplace built for ambitious operators. One application. Real offers from 100+ vetted lenders. Funding in as little as 24 hours.
We were built by operators who watched too many great businesses get told "no" by a bank that didn’t understand them. So we built a marketplace instead.
One application. Every option.
We’re not a single lender — we’re the marketplace where lenders compete for your business. That changes everything: the rate, the terms, the speed, the transparency.
One soft-credit application returns multiple offers from our 100+ lender network — so you actually compare instead of taking the first thing offered.
Term loans and MCAs typically fund within 24–48 hours. SBA and CRE loans run on parallel tracks so you’re never waiting on one underwriter.
Every offer shows full APR, fees, and terms upfront. No teaser rates, no surprises at signing. We’re paid by lenders only when a deal funds.
Built for the businesses that build everything else.
From application to funded
in three moves.
No paperwork stacks. No waiting weeks for a single bank’s answer. We run the whole process in parallel.
Apply in 60 seconds
Quick online form. Tell us about your business, your revenue, and how much you need. Soft pull only — no impact to credit.
Compare real offers
Our 100+ lender marketplace returns competing offers within hours. Full APR, terms, and fees disclosed up front. You pick.
Get funded fast
Sign and funds hit your account — often the same day for term loans and MCAs. Your dedicated specialist handles the rest.
Every product.
One marketplace.
Whatever stage your business is in, we have the right capital structure to match. Our specialists help you find it.
Term Loans
Predictable fixed payments and clear maturities. Perfect for equipment, expansion, or steady working capital. $25K – $2M, 12–60 months.
Lines of Credit
Revolving access up to a set limit. Pay interest only on what you draw. Built for seasonal cash flow swings and on-demand liquidity.
SBA Loans
Government-backed 7(a) and 504 programs. Lowest rates available, terms up to 25 years, amounts up to $5M. Major investments, optimal cost.
Commercial Real Estate
Purchase, refinance, or pull cash out. Owner-occupied and investment property financing up to $25M with competitive LTV.
Merchant Cash Advance
Fast capital based on future receivables. Remittance flexes with your daily sales. Funded in 24 hours, minimum credit OK.
Card Processing
Modern payment solutions with interchange-plus pricing, next-day funding, and seamless hardware/gateway integrations.
ShopFunder beat our bank’s offer by 3 points and funded us before the bank even called us back. We took the meeting that mattered, hired the team, and signed the lease the same week.
From the people building businesses that build everything else.
“I went from filling out a dozen applications to one. Five real offers came back the next morning. We funded the best one same week.”
“Their team negotiated harder than I would have. We saved real money on rate, and the process was completely paperless.”
“We went from one location to three. ShopFunder structured the SBA loan that made the second and third stores possible.”
Your next chapter starts today.
Join thousands of business owners who chose transparency, speed, and real choice. Capital is one application away.