Shield Funding’s merchant loans are much easier and faster than obtaining a typical bank loan. We understand the reality and the hardship of owning and operating a small- or medium-sized business. Many of our Executive Funding Specialists have owned and operated their own businesses and can relate to the need for quick cash relief.

Your business can be advanced up to $1,500,000 based on your current credit card sales receipts. After you receive our funding, a small percentage will be deducted from your future Visa/MasterCard receipts until the loan is paid back. This model alleviates the need to make fixed payments during a fixed time frame.

Pricing is based on the size of cash advance, the estimated time of distribution, and various other details of the cash advance program. This will be explained by our financial specialists during your initial consultation and again in the Cash Advance Approval sheet.

There are no administration fees, hurray!

It is not necessary for you to have good credit to receive a cash advance. A poor credit rating, which could include delinquencies, will not normally influence a cash advance approval.

You can receive your money within 72 hours. If relevant documents are missing or are difficult to obtain, you might wait as long as two weeks or more.

Cash advances range from $2,500 to $1,500,000.

Payments are based on a formula calculated on your cash flow projections; we consult with you to determine your optimal payment.

No, this is not a loan; it is a purchase of future receivables.

If you have experienced no change in financial status, you will be approved automatically.

The paperwork that you will need to fill out will take no more than ten or fifteen minutes to complete. We have funding specialists on hand to help you through the process.

Our credit underwriting standard is slightly higher than that of similar companies; however, approximately 95% of our competitors' customers who applied for our funding have been accepted. The only sure way to find out is by submitting an application.

No, the application is free and there are no up-front fees charged to our customers. The sooner you get your application in, the quicker we can get back to you on the amount we can approve you for.

Yes. The minimum requirement for qualification of the cash advance program is $2,500.00 of your monthly VISA/MC transactions. We will tailor our product to suit your needs. Just ask how!

When the advance balance is down to approximately 20% of the original balance, the borrower can request renewal. Most of our customers opt to renew. You can request a renewal by phone, fax, or e-mail. Renewals are usually funded in less than 24 hours of the request.

Yes. You must switch to our affiliated processors to receive funding, but we promise that we will meet or beat your current credit card processing cost structure. The bottom line is that you're not going to lose money for having to switch. Most likely, you will be saving money.

Not usually. All you have to do is re-program your terminal, which takes only 10 minutes and it can be done over the phone. Our credit card processor will call you to give you step-by-step instructions.

Although there are many companies that you should be cautious of, you should note that Shield Funding is proud affiliate of the National Restaurant Association, and is a member of the Better Business Bureau. We have also successfully provided loans to numerous of small- to medium-sized businesses, just see for yourself on our Testimonials page.