Our Products
Every financial product we offer is designed to address real business needs — from immediate liquidity to long-term expansion capital.
Your business moves fast — your capital should too. Working capital loans from Top Shelf Markets provide immediate liquidity to cover operational costs, payroll, inventory, or any short-term business need without depleting your reserves.
Unlike bank loans that take weeks to process, our working capital solutions are designed for speed. We underwrite based on your actual business performance, not just credit scores.
Revenue-based financing aligns your funding repayment with your actual business performance. Instead of fixed monthly payments, repayment scales with your revenue — making it an ideal solution for businesses with seasonal or variable income.
This flexible structure means you pay more when business is strong, and less when it's slower — eliminating the stress of fixed obligations during lean periods.
The right equipment can transform what your business is capable of. Equipment financing allows you to acquire the tools, machinery, vehicles, or technology you need without a large upfront capital outlay.
The equipment itself serves as collateral, which often means more favorable terms and faster approvals than unsecured financing options.
Stop letting unpaid invoices stall your growth. Invoice financing converts your outstanding receivables into immediate working capital — so you don't have to wait 30, 60, or 90 days for clients to pay.
This product is particularly powerful for B2B businesses that invoice other companies and experience gaps between delivering services and receiving payment.
A business line of credit gives you on-demand access to capital up to a set limit. Draw what you need, when you need it, pay it back, and draw again. It's the most flexible funding tool available for managing business cash flow.
Unlike a lump-sum loan, you only pay interest on what you've actually drawn — making it a cost-effective way to have capital available without paying for it until you use it.
For businesses at the expansion stage — ready to open new locations, hire aggressively, launch major marketing campaigns, or pursue strategic acquisitions — Top Shelf Markets provides dedicated growth capital designed for this moment.
Growth capital is structured with longer horizons and larger amounts, recognizing that the returns from expansion take time to materialize. We structure deals to give your growth room to succeed.
Most of our products require these baseline qualifications. Specific products may have additional requirements.
Minimum 6 months in operation. Growth capital products require 18+ months of established business history.
Minimum $10,000 in monthly gross revenue for most products. Some products require higher thresholds.
Must be a legally registered US business entity. We work with LLCs, S-Corps, C-Corps, and sole proprietors.
Not sure which product is right for you? Tell us about your business — we'll recommend the best fit.
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