Capital for small business
Short Hills Finance funds small businesses on the revenue they have already earned — not the paperwork they can produce.
Connect your sales channels and bank for a single underwriting view — and a decision in minutes.
Why it's different
Marketplace lenders see one marketplace. Banks see a tax return that is eighteen months old. We connect the revenue you have already earned, wherever it is earned, and price on evidence.
We read verified revenue across your channels and price capital on what your business actually does — not on assumptions filled in around missing information.
Verified revenue costs less than unverified revenue. Connect your sales channels and the fuller picture earns you better terms — every time.
Connected data means a fast decision without cutting corners. Speed comes from automation — never from skipping underwriting.
How it works
From connection to offer, the process is built to be fast, clear, and consistent.
Link your sales channels, marketplaces, and business bank account. The more you connect, the more completely we can read your business — and the better your terms.
Marketplace settlement data, store performance, and bank cash flow come together in a single view. Written, versioned policy runs before scoring — the same way, every time.
You see total cost, remittance schedule, and estimated annualised cost before you sign. Accept when it's right for you.
Who we serve
Sellers on marketplaces, storefronts, and their own websites — businesses whose full picture no single platform can see. That is exactly the business we read, and price on.
For merchants · Principle 1
A merchant who connects their sales channels gives us a materially better picture of their business. Pricing reflects that — always. We don't discount unverified risk to win volume, and we don't ask you to pay for guesswork.
Directional illustration only. Not an offer, rate, or guarantee of terms.
For merchants · Principle 2
A merchant we have watched perform is the lowest-risk merchant we have — and we treat you that way. Limits rise and pricing falls with completed advances. You are never capped like a stranger once you've shown us who you are.
Directional illustration only. Actual limits and pricing depend on underwriting.
Transparency & cost · Principle 5
Total cost, remittance schedule, and estimated annualised cost appear on your offer screen — in every state, whether or not the state requires it. We compete on speed, size, and service. Never on you not understanding what you signed.
Trust & compliance
Fairness isn't a promise — it's how the system is built. The same rules run for everyone, and every decision is kept.
Hard gates run before scoring, the same way for every applicant. No individual — founder included — approves around a gate. When policy changes, it changes deliberately: versioned, logged, and applied to everyone.
Approvals and declines are captured identically, at decision time, and kept immutably. Consistent decisions today mean fairer, faster decisions tomorrow — for you and for every merchant we serve.
A fast decision is the product of connected data and consistent rules — not of skipping underwriting. Automation is what makes minutes possible; it never means less rigor.
Total cost, remittance schedule, and estimated annualised cost are disclosed before signature everywhere we operate — regardless of what any single state requires.
Our mission
To become the lender that sees a small business most completely.
We fund small businesses on the revenue they have already earned, not the paperwork they can produce — reading verified revenue wherever it is earned, and pricing capital on evidence rather than on assumption.
Small businesses are underserved not because they lack revenue, but because most lenders can only see a fraction of it. Read the whole picture, and you can fund fairly and quickly at the same time.
Verified revenue costs less. Performance earns access. Policy is written down and applied to everyone. Every decision is kept. Cost is disclosed before signature. These are decision rules, not wall art.
Get started
Connect your sales channels and bank for a single underwriting view — and a decision in minutes.