Shore Funding Solutions
Broker (ISO), not a direct lender: term loans $10,000 to $4M, lines to $300K, equipment to $3M via partner funders. 500+ credit, 1 yr, $150K revenue. Rates not published.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses with a year of history, $150,000+ in annual revenue and credit as low as 500 that want a broker to shop term loans, lines of credit or equipment financing for them.
Not for: Owners who want to see a rate before handing over their file, who need a direct funder they can negotiate with, or who don't want follow-up calls and texts.
Lender List verdict: Shore Funding Solutions is a broker (ISO), not a direct lender: it places your application with outside funders, so speed and approval odds can be good with weaker credit. It publishes no rates or fees, and if you are placed in a merchant cash advance, a typical 1.2 factor repaid daily over 6 months costs about 75% APR.
Shore Funding Solutions at a glance
Shore Funding Solutions is a Melville, New York, business-funding broker that says it has arranged over $1 billion and earns 4.7 stars in about 770 Trustpilot reviews.
| Shore Funding Solutions | |
|---|---|
| Lender type | Broker (ISO), not a direct lender |
| Founded | 2012 |
| HQ | Melville, NY |
| Parent/owner | Shore Funding Solutions, Inc. (private) |
| Products | Term loans, lines of credit, equipment financing (funder-issued) |
| Amounts | $10,000 to $4 million (term loans); lines up to $300,000; equipment up to $3 million |
| Cost (headline) | Not published; set by the funder you accept |
| Term | 6 to 120 months (term loans); 1 to 3 years (lines) |
| Funding speed | Term loans in as little as 24 to 48 hours after approval |
| Status | Active (2026-10-27); broker |
What is Shore Funding Solutions?
Shore Funding Solutions is a privately held broker in Melville, NY, that calls itself a national ISO (independent sales organization) with relationships across many lenders; it arranges financing rather than lending its own capital.
Founded in 2012 (its About page says 2014), it ranked No. 4,763 on the 2026 Inc. 5000. Its pages quote maximums from $2 million to $10 million; we use the product-page figures.
How Shore Funding Solutions works
Shore Funding Solutions takes one short application, shares it with funders in its network, and a representative walks you through the offers.
- Who funds you: A third-party lender, receivables buyer or factor, which writes the contract.
- Speed: Approval within an hour is advertised; term-loan money can land in as little as 24 to 48 hours, and approved lines can be drawn right away.
Shore Funding Solutions rates and fees: what it really costs
Shore Funding Solutions does not publish interest rates, factor rates or broker fees; your cost is whatever the placing funder offers.
- Not published: rates, factor rates, broker fees, holdback, UCC lien or reconciliation terms
- Merchant cash advance: not a listed Shore product, but its terms allow sharing files with receivables buyers, so an MCA offer is possible
Worked example: placed in a $50,000 merchant cash advance at a 1.2 factor (a United Capital Source market example, not a Shore figure), you repay $60,000, a $10,000 cost. Over about 6 months of business-day debits (126 payments) that is $476.19 a day, roughly 75% APR. Stretched to 220 payments (about 10.5 months), the debit falls to $272.73 and the APR to roughly 43%. Any broker fee pushes both higher.
Shore Funding Solutions requirements
Shore Funding Solutions asks for a 500 credit score, one year in business and $150,000 in yearly revenue.
| Requirement | Shore Funding Solutions minimum |
|---|---|
| Personal credit score | 500 |
| Time in business | 1 year |
| Annual revenue | $150,000 |
| Bank account / integrations | Lender does not publish; set by funder |
| Credit check | Reports authorized for pre-qualification; Shore says applying won't affect your score |
| Collateral / guarantee | Lender does not publish; set by funder |
Merchant cash advance rules that protect you
If your business is run from New York, any funder Shore places you with must disclose the estimated APR, finance charge, term and payments on financing of $2.5 million or less; CA, CT, FL, GA, KS, MO, TX, UT and VA have similar laws.
- Registration: Virginia requires sales-based financing providers to register, and Shore appeared on the state's June 2024 registrant list; Texas requires providers and brokers to register by December 31, 2026.
- Confession of judgment and stacking: Shore does not address either; read the funder's contract before signing.
Pros and cons
Shore's strengths are a 500 credit floor and fast placement; you can't see price or funder until you apply.
Pros
- Accepts credit scores from 500
- One application reaches several funders
- Term-loan funding in as little as 24 to 48 hours
- Lines charge interest only on the drawn balance
- No prepayment penalty on its term loans and equipment financing
Cons
- Broker, not a lender: rates, fees and contract terms come from a third party
- No published pricing, broker fee or factor-rate range
- Conflicting maximums across its own pages
- 18 federal suits, mostly over unwanted calls and texts
Shore Funding Solutions vs. Lendio vs. National Funding
Shore Funding Solutions takes credit from 500; Lendio asks for 600+ (some options in the 500s), most National Funding customers have 600+, and only Lendio publishes partner rate ranges.
| Shore Funding Solutions | Lendio | National Funding | |
|---|---|---|---|
| Max amount | $4 million (term loans) | $5,000,000 via partners | $500K working capital |
| Pricing | Not published | Partner rates: term from 6%, lines 8% to 60%, advances from 18% | Not disclosed (Bankrate: factor from 1.1) |
| Min FICO | 500 | 600+ (some 500s) | No minimum; most customers 600+ |
| Min time in business | 1 year | 6 months+ | 6 months (equipment) |
| Min annual revenue | $150,000 | $8,000/month | Not stated by lender |
| Repayment | Set by funder; monthly on term loans | Set by matched lender | Daily or weekly ACH, 4 to 24 months |
| Early payoff | No prepayment penalty (term, equipment) | Set by matched lender | May offer early payoff discounts |
Choose Shore Funding Solutions if your credit is in the 500s. Choose Lendio for a larger free marketplace. Choose National Funding to deal with the funder directly.
Shore Funding Solutions alternatives on Lender List
The closest Shore Funding Solutions alternatives are other marketplaces, such as Lendio and Nav, or direct funders like National Funding and Credibly.
- Lendio — free marketplace with 100+ lenders
- Nav — marketplace that matches offers to your credit profile
- National Funding — direct working-capital lender
- Credibly — direct funder of advances and loans
- Browse all merchant cash advance providers on Lender List
Frequently asked questions about Shore Funding Solutions
Shore Funding Solutions is a legitimate New York broker that places business financing with outside funders.
Is Shore Funding Legit? Yes. Shore Funding Solutions, Inc. has operated from Melville, NY, since 2012, made the Inc. 5000 in 2025 and 2026, and holds a 4.7 Trustpilot score from about 770 reviews. It is a broker, so your contract is with a separate funder. Its main red flag is aggressive telemarketing (see below); no BBB grade or state regulatory action was confirmed as of 2026-10-27.
Why Is Shore Funding Texting Me? Shore Funding Solutions markets by phone, text and email, and some Trustpilot reviewers say contact continued after they asked it to stop. Its SMS policy says replying STOP to any message ends texts; note the date you asked.
What Is Shore Funding? Shore Funding Solutions is a Melville, NY, broker that arranges term loans, lines of credit and equipment financing through partner funders. It asks for a 500 credit score, one year in business and $150,000 in annual revenue, and does not publish its rates or fees.
Is There a Shore Funding Solutions Lawsuit? Yes. Federal court dockets list 18 suits naming Shore Funding Solutions from 2016 to April 2026, most under the Telephone Consumer Protection Act over unwanted calls and texts, filed in New York, California, Texas, Illinois and Nebraska. Docket listings don't state outcomes.
Is Shore Funding Solutions a Direct Lender or a Broker? It is a broker. Shore Funding Solutions describes itself as an ISO with a network of lender relationships, and its terms let it share your file with lenders, receivables buyers and factoring companies. The funder you accept sets the rate, fees and repayment schedule, and signs the contract with you.
What Happens If My Sales Drop? That depends on the funder. A term loan or equipment financing keeps fixed payments regardless of sales. A merchant cash advance may let you request a reconciliation that lowers payments when deposits fall, but Shore doesn't publish whether its funders allow this, so ask for the clause in writing before signing.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses with a year of history, $150,000+ in annual revenue and credit as low as 500 that want a broker to shop term loans, lines of credit or equipment financing for them.
Not for: Owners who want to see a rate before handing over their file, who need a direct funder they can negotiate with, or who don't want follow-up calls and texts.
Lender List verdict: Shore Funding Solutions is a broker (ISO), not a direct lender: it places your application with outside funders, so speed and approval odds can be good with weaker credit. It publishes no rates or fees, and if you are placed in a merchant cash advance, a typical 1.2 factor repaid daily over 6 months costs about 75% APR.
Shore Funding Solutions at a glance
Shore Funding Solutions is a Melville, New York, business-funding broker that says it has arranged over $1 billion and earns 4.7 stars in about 770 Trustpilot reviews.
| Shore Funding Solutions | |
|---|---|
| Lender type | Broker (ISO), not a direct lender |
| Founded | 2012 |
| HQ | Melville, NY |
| Parent/owner | Shore Funding Solutions, Inc. (private) |
| Products | Term loans, lines of credit, equipment financing (funder-issued) |
| Amounts | $10,000 to $4 million (term loans); lines up to $300,000; equipment up to $3 million |
| Cost (headline) | Not published; set by the funder you accept |
| Term | 6 to 120 months (term loans); 1 to 3 years (lines) |
| Funding speed | Term loans in as little as 24 to 48 hours after approval |
| Status | Active (2026-10-27); broker |
What is Shore Funding Solutions?
Shore Funding Solutions is a privately held broker in Melville, NY, that calls itself a national ISO (independent sales organization) with relationships across many lenders; it arranges financing rather than lending its own capital.
Founded in 2012 (its About page says 2014), it ranked No. 4,763 on the 2026 Inc. 5000. Its pages quote maximums from $2 million to $10 million; we use the product-page figures.
How Shore Funding Solutions works
Shore Funding Solutions takes one short application, shares it with funders in its network, and a representative walks you through the offers.
- Who funds you: A third-party lender, receivables buyer or factor, which writes the contract.
- Speed: Approval within an hour is advertised; term-loan money can land in as little as 24 to 48 hours, and approved lines can be drawn right away.
Shore Funding Solutions rates and fees: what it really costs
Shore Funding Solutions does not publish interest rates, factor rates or broker fees; your cost is whatever the placing funder offers.
- Not published: rates, factor rates, broker fees, holdback, UCC lien or reconciliation terms
- Merchant cash advance: not a listed Shore product, but its terms allow sharing files with receivables buyers, so an MCA offer is possible
Worked example: placed in a $50,000 merchant cash advance at a 1.2 factor (a United Capital Source market example, not a Shore figure), you repay $60,000, a $10,000 cost. Over about 6 months of business-day debits (126 payments) that is $476.19 a day, roughly 75% APR. Stretched to 220 payments (about 10.5 months), the debit falls to $272.73 and the APR to roughly 43%. Any broker fee pushes both higher.
Shore Funding Solutions requirements
Shore Funding Solutions asks for a 500 credit score, one year in business and $150,000 in yearly revenue.
| Requirement | Shore Funding Solutions minimum |
|---|---|
| Personal credit score | 500 |
| Time in business | 1 year |
| Annual revenue | $150,000 |
| Bank account / integrations | Lender does not publish; set by funder |
| Credit check | Reports authorized for pre-qualification; Shore says applying won't affect your score |
| Collateral / guarantee | Lender does not publish; set by funder |
Merchant cash advance rules that protect you
If your business is run from New York, any funder Shore places you with must disclose the estimated APR, finance charge, term and payments on financing of $2.5 million or less; CA, CT, FL, GA, KS, MO, TX, UT and VA have similar laws.
- Registration: Virginia requires sales-based financing providers to register, and Shore appeared on the state's June 2024 registrant list; Texas requires providers and brokers to register by December 31, 2026.
- Confession of judgment and stacking: Shore does not address either; read the funder's contract before signing.
Pros and cons
Shore's strengths are a 500 credit floor and fast placement; you can't see price or funder until you apply.
Pros
- Accepts credit scores from 500
- One application reaches several funders
- Term-loan funding in as little as 24 to 48 hours
- Lines charge interest only on the drawn balance
- No prepayment penalty on its term loans and equipment financing
Cons
- Broker, not a lender: rates, fees and contract terms come from a third party
- No published pricing, broker fee or factor-rate range
- Conflicting maximums across its own pages
- 18 federal suits, mostly over unwanted calls and texts
Shore Funding Solutions vs. Lendio vs. National Funding
Shore Funding Solutions takes credit from 500; Lendio asks for 600+ (some options in the 500s), most National Funding customers have 600+, and only Lendio publishes partner rate ranges.
| Shore Funding Solutions | Lendio | National Funding | |
|---|---|---|---|
| Max amount | $4 million (term loans) | $5,000,000 via partners | $500K working capital |
| Pricing | Not published | Partner rates: term from 6%, lines 8% to 60%, advances from 18% | Not disclosed (Bankrate: factor from 1.1) |
| Min FICO | 500 | 600+ (some 500s) | No minimum; most customers 600+ |
| Min time in business | 1 year | 6 months+ | 6 months (equipment) |
| Min annual revenue | $150,000 | $8,000/month | Not stated by lender |
| Repayment | Set by funder; monthly on term loans | Set by matched lender | Daily or weekly ACH, 4 to 24 months |
| Early payoff | No prepayment penalty (term, equipment) | Set by matched lender | May offer early payoff discounts |
Choose Shore Funding Solutions if your credit is in the 500s. Choose Lendio for a larger free marketplace. Choose National Funding to deal with the funder directly.
Shore Funding Solutions alternatives on Lender List
The closest Shore Funding Solutions alternatives are other marketplaces, such as Lendio and Nav, or direct funders like National Funding and Credibly.
- Lendio — free marketplace with 100+ lenders
- Nav — marketplace that matches offers to your credit profile
- National Funding — direct working-capital lender
- Credibly — direct funder of advances and loans
- Browse all merchant cash advance providers on Lender List
Frequently asked questions about Shore Funding Solutions
Shore Funding Solutions is a legitimate New York broker that places business financing with outside funders.
Is Shore Funding Legit? Yes. Shore Funding Solutions, Inc. has operated from Melville, NY, since 2012, made the Inc. 5000 in 2025 and 2026, and holds a 4.7 Trustpilot score from about 770 reviews. It is a broker, so your contract is with a separate funder. Its main red flag is aggressive telemarketing (see below); no BBB grade or state regulatory action was confirmed as of 2026-10-27.
Why Is Shore Funding Texting Me? Shore Funding Solutions markets by phone, text and email, and some Trustpilot reviewers say contact continued after they asked it to stop. Its SMS policy says replying STOP to any message ends texts; note the date you asked.
What Is Shore Funding? Shore Funding Solutions is a Melville, NY, broker that arranges term loans, lines of credit and equipment financing through partner funders. It asks for a 500 credit score, one year in business and $150,000 in annual revenue, and does not publish its rates or fees.
Is There a Shore Funding Solutions Lawsuit? Yes. Federal court dockets list 18 suits naming Shore Funding Solutions from 2016 to April 2026, most under the Telephone Consumer Protection Act over unwanted calls and texts, filed in New York, California, Texas, Illinois and Nebraska. Docket listings don't state outcomes.
Is Shore Funding Solutions a Direct Lender or a Broker? It is a broker. Shore Funding Solutions describes itself as an ISO with a network of lender relationships, and its terms let it share your file with lenders, receivables buyers and factoring companies. The funder you accept sets the rate, fees and repayment schedule, and signs the contract with you.
What Happens If My Sales Drop? That depends on the funder. A term loan or equipment financing keeps fixed payments regardless of sales. A merchant cash advance may let you request a reconciliation that lowers payments when deposits fall, but Shore doesn't publish whether its funders allow this, so ask for the clause in writing before signing.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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