Legal

Disclosures

Effective November 14, 2026

Important information about Shipley Capital and the financing available through it. Please read it along with our Terms of Service.

Not a lender

Shipley Capital is not a lender, bank, or chartered financial institution and does not make credit decisions, issue commitments to fund, or service financing. We connect businesses with independent third-party Funding Partners. Approval, amounts, pricing, terms and speed are set by the Funding Partner and depend on your business's profile.

Compensation

We may receive compensation from Funding Partners and other companies when we refer a business to them, when a business speaks with them, or when financing is provided. Compensation may influence which Funding Partners we present and the order in which they are presented. We do not charge businesses a fee to use this website.

Commercial financing only

Financing available through the Services is commercial financing for business purposes only. It is not consumer credit and is not intended for personal, family or household purposes.

Revenue-based financing is not a loan

Some financing offered by Funding Partners, such as merchant cash advances and revenue-based financing, is structured as a purchase of a portion of a business's future receivables, not a loan. Its cost is not expressed as an interest rate, and its terms, including any estimated annual percentage rate or other disclosures required by state law, will be provided by the Funding Partner before you sign.

State commercial financing disclosures

Several states, including California, New York, Utah, Virginia, Florida, Georgia, Connecticut, Kansas, Missouri and Texas, require commercial financing providers to give specific disclosures before a business accepts an offer. Those disclosures, where required, are provided by the Funding Partner making the offer. Read them carefully and compare offers before you accept.

Estimates, speed and amounts

Amounts, ranges, examples and timelines shown on this website, in calls and in messages, including "up to" amounts and statements about approvals in hours or funding the same day, are estimates or examples for illustration. They are not offers or guarantees. Actual results depend on the Funding Partner's review, receipt of complete information and signed agreements, and bank processing times. Not every business will qualify.

Credit

Checking an estimate on this website does not involve a credit inquiry and does not affect your credit. Funding Partners may obtain business and personal credit reports when you apply, which may include an inquiry that can affect your credit; they will tell you before they do.

Statistics

Statements such as "$1B+ funded" and "10,000+ businesses funded" are the combined totals reported by the Funding Partners we work with, across their businesses, and do not describe financing provided by us.

Testimonials and examples

Testimonials, reviews, case studies and example businesses reflect individual experiences or illustrative scenarios. They are not typical results and do not guarantee that you will receive similar financing, amounts, terms or speed.

Automated and AI assistants

Some conversations are handled by automated or AI assistants acting for us. They may make mistakes. Nothing an assistant says is an offer, approval or advice, and you can ask to speak with a person.

No advice

Information on this website is general information, not financial, legal, tax or accounting advice. Consider speaking with your own advisers before taking on any financing.