Brooklyn, NY · Direct Business Lender

Premium Business Funding
for Serious Builders.

Direct capital solutions for entrepreneurs, operators, and high-growth enterprises. No brokers. No runaround. Just funding built to match your ambition.

Unlock Your Capital Explore Our Products
$500K+
Maximum Funding
48hr
Approval Window
100%
Direct Lender
10+
Industries Served
What We Offer

Funding Built for Real Business

We don't offer one-size-fits-all products. Every capital solution is structured around your business model, revenue, and growth plan.

Working Capital Loans

Keep your operations moving with flexible working capital. Designed for businesses that need immediate liquidity to capture opportunity.

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Revenue-Based Financing

Access capital aligned with your revenue stream. Repayment scales with your business performance — no fixed monthly burden.

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Equipment Financing

Acquire the tools your business needs to scale. Finance new or used equipment without depleting your working capital reserves.

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Invoice Financing

Convert outstanding receivables into immediate working capital. Stop waiting 60–90 days for clients to pay — get funded now.

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Business Lines of Credit

Flexible revolving credit for businesses that need on-demand capital. Draw when you need it, pay back, and draw again.

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Growth Capital

Expansion-stage funding for businesses ready to scale — new locations, hiring, marketing, or strategic acquisition.

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Top Shelf Markets business partnership
The Top Shelf Advantage

Why Business Owners
Choose Top Shelf

  • Direct Lender — No Brokers
    You work directly with us. No middlemen, no added fees, no information delays. Faster decisions, better terms.
  • Speed & Certainty of Execution
    Our streamlined underwriting means decisions in as little as 24–48 hours. Capital in hand when it matters.
  • Bespoke Financial Structures
    Every deal is custom. We structure funding to fit your business cycle, not a generic product menu.
  • Deep Market Expertise, Brooklyn Roots
    Founded and operated in Brooklyn, NY — we understand the real world of business better than any bank.
  • Private & Confidential Partnership
    Your financial information stays with us. Discretion is a core part of our service to every client.
How It Works

Funding in Four Steps

Our process is designed to respect your time and get capital to you faster than anyone else in the market.

01

Apply Online

Complete our secure application in minutes. No lengthy paperwork, no branch visits required.

02

Quick Review

Our underwriters assess your application and business profile — typically within 24 hours.

03

Get Your Offer

Receive a clear, transparent funding offer with terms structured specifically for your business.

04

Receive Funds

Upon approval and agreement, funds are deposited directly to your business account.

Ready to Grow

Your Business Deserves
Top Shelf Capital

Join the business owners who chose to work with a direct lender that takes their growth seriously.

Start Your Application