Merchant Cash Advance · Term Loan · Equipment Financing
Shield Funding Review 2026
Funding: $10,000 – $1,000,000|Funds in Same day to 3 business days
Shield Funding markets heavily to businesses with challenged credit. Offers working capital, equipment loans, and MCAs. Known for working with startups and very new businesses.
What Shield Funding Offers
Shield Funding provides the following funding products for small and medium-sized businesses:
- Merchant Cash Advance
- Term Loan
- Equipment Financing
- Amount: $10,000 - $1,000,000
- Factor Rates: 1.15 - 1.49
- Funding Time: Same day to 3 business days
Shield Funding Requirements
- Credit Score: 540+ personal credit score
- Time in Business: At least 3 months
- Monthly Revenue: $15,000+ minimum
Shield Funding Pros
- Very low time in business requirement
- Works with 540+ credit
- Multiple products
Shield Funding Cons
- Higher factor rates
- Aggressive follow-up process
- Best rates require strong profiles
Who Should Use Shield Funding?
- Businesses with credit scores of 540 or above
- Companies with at least $15,000 in monthly revenue
- Businesses operating for 3+ months
- Those looking for Merchant Cash Advance or Term Loan
How to Apply
The application process is straightforward. You can apply directly through Shield Funding or through Velica Capital to compare multiple offers at once with no impact to your credit score.
Ready to apply for funding with Shield Funding?
Velica Capital works with Shield Funding and other top lenders. Apply once to see what you qualify for with no hard credit check.
Quick Facts
Min Credit Score
540
Time in Business
3+ months
Min Revenue
$15,000/mo
Max Funding
$1,000,000
Factor Rate
1.15 - 1.49
Time to Fund
Same day to 3 business days
Products
- Merchant Cash Advance
- Term Loan
- Equipment Financing
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