Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Shore Funding Solutions, Inc. is a Melville, New York funding company that advertises term loans, lines of credit and equipment financing of up to $5 million, with funding in as little as 24 hours (Shore). United Capital Source, a competing broker, describes Shore as a broker that matches businesses with third-party funders (UCS). California records show it holds a finance broker license, and in 2018 it paid a $2,500 penalty for filing an annual report late (Settlement agreement).
Paper Grade: TBD (marketplace)
Shore places deals with third-party funders and does not publish one set of minimums (UCS). We grade brokers and marketplaces TBD (marketplace) because the borrower profile depends on the funder. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 5.5 / 10 (reputation rank: tied #51 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since July 12, 2016) with an A+ rating and +1 because BBB lists the business as started in February 2014 (BBB). There is no clean-record point. Then −1 for a settled government action that did not concern borrower treatment: under a May 18, 2018 settlement agreement with California's Commissioner of Business Oversight, Shore paid a $2,500 administrative penalty for filing its annual report, due March 15, 2018, 24 business days late, and a summary license revocation was rescinded (Settlement agreement). Then −0.5 for a repeated complaint theme: 4 of its 10 BBB complaints in three years concern repeated unwanted calls and texts (BBB complaints). BBB customer reviews average 4.26/5 from 43 reviews, so no deduction for them (BBB reviews). UCS reports a high Trustpilot rating but gives no number, so we add no Trustpilot point. UCS also reports two telemarketing class actions (2017 and 2021); we could not confirm that either is pending, so neither is scored (UCS). The total is 5.5.
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Type | Funding broker, per UCS (UCS) |
| Products | Term loans, lines of credit, equipment financing; up to $5 million (Shore) |
| BBB | A+, accredited since 7/12/2016; 4.26/5 from 43 reviews; 10 complaints in 3 years (BBB) |
| Regulatory | California settlement agreement, May 18, 2018; $2,500 penalty for a late annual report (Settlement agreement) |
What borrowers and reviewers report
Positive themes: BBB reviewers and testimonials on Shore's site praise fast funding and responsive account managers (BBB reviews, Shore).
Negative themes: BBB complainants report repeated unwanted calls and texts (BBB complaints); UCS says Shore does not publish rates (UCS).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
Who is funding: ask for the funder's name, total payback and fees in writing before you sign (UCS).
Contact preferences: if you don't want follow-up calls, say so in writing (BBB complaints).
Who it may suit, and who may want to skip it
May suit: businesses that want a broker to shop offers quickly. May want to skip: businesses that want a direct lender with published rates.
What to do next
Been contacted by Shore Funding Solutions? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=shore-funding-solutions)
Looking for funding? Tell us what you need, and we'll help you compare Shore Funding Solutions with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=shore-funding-solutions)
Sources (accessed October 2, 2026)
Shore Funding Solutions homepage: shorefundingsolutions.com
BBB profile, Shore Funding Solutions Inc.: https://www.bbb.org/us/ny/melville/profile/financial-consultants/shore-funding-solutions-inc-0121-148174
United Capital Source review of Shore Funding Solutions: unitedcapitalsource.com
California DBO settlement agreement, Shore Funding Solutions, Inc. (2018): https://dfpi.ca.gov/wp-content/uploads/sites/337/2013/09/Shore-Funding-Solutions-Inc.-Settlement-Agreement.pdf
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.