Manhattan skyline at golden hour
Funding in as little as 24 hours · No credit impact

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.

$2M+ Up to per business
24 hrs Average funding time
100+ Vetted lender network
Soft Credit pull only
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Bank-grade encryption Funding in 24 hours 100+ vetted lenders Soft pull only No application fees Headquartered in NYC Bank-grade encryption Funding in 24 hours 100+ vetted lenders Soft pull only No application fees Headquartered in NYC

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.

— The ShopFunder Difference
Aerial view of Manhattan with Empire State Building at golden hour
Why ShopFunder

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.

Real competing offers

One soft-credit application returns multiple offers from our 100+ lender network — so you actually compare instead of taking the first thing offered.

Built for speed

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.

Radical transparency

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.

By the numbers

Built for the businesses that build everything else.

$2M+
Maximum funding amount
From $25K starter facilities to $2M+ growth capital.
24h
Average time to fund
From signed offer to capital in your account.
100+
Vetted lender network
Banks, alt lenders, SBA preferred, and direct funders.
NYC at night
The process

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.

Step 01

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.

Step 02

Compare real offers

Our 100+ lender marketplace returns competing offers within hours. Full APR, terms, and fees disclosed up front. You pick.

Step 03

Get funded fast

Sign and funds hit your account — often the same day for term loans and MCAs. Your dedicated specialist handles the rest.

Funding solutions

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.

Learn more

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.

Learn more

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.

Learn more

Commercial Real Estate

Purchase, refinance, or pull cash out. Owner-occupied and investment property financing up to $25M with competitive LTV.

Learn more

Merchant Cash Advance

Fast capital based on future receivables. Remittance flexes with your daily sales. Funded in 24 hours, minimum credit OK.

Learn more

Card Processing

Modern payment solutions with interchange-plus pricing, next-day funding, and seamless hardware/gateway integrations.

Learn more
Brooklyn Bridge
Featured story
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.
AV
Alex Vasquez CEO, Vasquez Construction · Manhattan, NY
$425K Funded in 48 hours
Real stories

From the people building businesses that build everything else.

Modern boutique storefront
5 offers
Compared in 24 hours

“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.”

Sarah Mitchell Founder, Mitchell Retail Group
Modern team collaborating in office
3.2%
Below first quote

“Their team negotiated harder than I would have. We saved real money on rate, and the process was completely paperless.”

John Brennan Founder, Brennan Tech
Modern upscale restaurant interior with leather booths
$1.1M
SBA-backed expansion

“We went from one location to three. ShopFunder structured the SBA loan that made the second and third stores possible.”

Maria Chen Owner, Chen Hospitality Group
FAQ

Questions,
answered.

Don’t see what you’re looking for? Talk to a specialist →

We’re not a single lender — we’re a marketplace. One application returns competing offers from 100+ vetted lenders, so you actually compare instead of taking the first thing offered. Banks only show you their own product.
No. The initial application is a soft pull only. You only authorize a hard pull after you’ve selected an offer you want to move forward with.
Term loans and MCAs typically fund within 24–48 hours of accepting an offer. SBA loans take 2–6 weeks due to government underwriting. Commercial real estate varies based on appraisal timing.
Most products require 6+ months in business, $10K+ monthly revenue, and a U.S. business bank account. Specific requirements vary by product. Our team helps match you to the right one.
No. Applying through ShopFunder is always free. We’re paid by lenders only when a deal funds. You see all fees upfront in any offer before you accept.
For most products: 4 months of business bank statements, a government ID, and basic business info. SBA and CRE loans require additional documents like tax returns and financial statements.
NYC skyline
1-minute application · No credit impact

Your next chapter starts today.

Join thousands of business owners who chose transparency, speed, and real choice. Capital is one application away.