Shore Funding Solutions, a New York-based alternative lender specializing in small business financing, has garnered a mix of feedback from customers, employees, and industry experts. As a company offering products like term loans, lines of credit, merchant cash advances, and equipment financing, it positions itself as a quick-funding option for businesses turned down by traditional banks. In this detailed analysis of Shore Funding reviews, we'll explore ratings from trusted platforms, highlight pros and cons based on real user experiences, and provide insights to help you decide if it's the right fit for your business needs. Our evaluation draws from verified sources to ensure transparency and trustworthiness, aligning with Google's E-E-A-T guidelines by prioritizing expert analysis, authoritative data, and balanced perspectives.
Whether you're a small business owner seeking fast capital or researching lender reliability, understanding Shore Funding reviews can reveal key patterns in customer satisfaction, funding speed, and potential drawbacks like high costs or sales tactics.
What Are Shore Funding Solutions?
Founded in Melville, NY, Shore Funding Solutions acts as a financing facilitator, connecting businesses with in-house funding or a network of lenders. It targets companies with at least one year in operation, $150,000 in annual revenue, and a credit score of 500 or higher. Popular products include business term loans (up to $4 million with terms up to 10 years), lines of credit (up to $300,000), and merchant cash advances (MCAs) for quicker access. The company emphasizes fast approvals—often within 24-48 hours—and a 90% approval rate, making it appealing for urgent needs like inventory purchases or cash flow management.
However, Shore Funding reviews often note that while funding is swift, terms can be expensive, especially for MCAs. The company holds an A+ rating with the Better Business Bureau (BBB) but has faced complaints about unsolicited communications.
Overall Ratings and Key Metrics from Top Review Platforms
Based on aggregated Shore Funding reviews across multiple sites, the company earns solid but varied scores. Here's a breakdown:
These ratings reflect a generally positive customer sentiment, with an average score around 4.2/5 across platforms. Trustpilot and Trustindex stand out for volume, while BBB provides insight into resolved issues.
Positive Aspects from Shore Funding Reviews
Many Shore Funding reviews highlight the company's strengths in speed, customer service, and flexibility. Customers often share first-hand experiences of how the funding helped their businesses thrive.
Fast and Efficient Funding Process
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Numerous reviewers on Trustpilot praise same-day or next-day funding. For instance, one user noted, "Anthony Seider and Rafael Vargas had the funds in less than 24 hours! 100% Recommend" (September 25, 2025).
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On Trustindex, a customer said, "Victoria was diligent in processing the application then follow up," emphasizing streamlined approvals.
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UCS's expert review confirms a "high approval rate" and funding in 24-48 hours, ideal for businesses needing quick capital.
Excellent Customer Service and Support
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Representatives like Mike Tamburello, Noah, John Cotrone, and Ramy Gabel receive frequent shoutouts. A Trustpilot review states, "Ramy is the BEST!!!! His morals and values guide him in business, demonstrating genuine care for his clients."
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Employee reviews on Indeed echo this, with one saying, "Best Work Environment" and noting "energizing work tasks" (March 17, 2025).
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South Shore Funding (a similar entity, sometimes confused in searches) earns 4.5/5 on Trustpilot, with users appreciating honest advice against costly MCAs in favor of SBA loans.
Flexibility for Various Business Needs
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Reviews mention success across industries, from retail to construction. One Trustpilot user shared, "Noah and Miguel took care of us... extremely communicative and transparent" (August 29, 2025).
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UCS notes variety in products, including equipment financing up to $3 million, making it suitable for growth-oriented businesses.
These positives demonstrate Shore Funding's expertise in alternative lending, backed by hundreds of satisfied clients who value the company's responsiveness.
Negative Aspects and Complaints in Shore Funding Reviews
While many experiences are positive, Shore Funding reviews also reveal common pain points, ensuring a balanced view. Transparency in costs and marketing practices are frequent criticisms.
High Costs and Opaque Terms
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UCS rates it 3.4/5 partly due to undisclosed rates upfront, warning that MCAs can be "very expensive" with daily/weekly repayments.
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On Reddit, a user advised, "MCA loans aren't going to have a lot of people who are happy... the terms aren't always favorable" (2024 discussion on lines of credit).
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A Trustindex review called it a "Spammer! Avoid like the plague," citing unsolicited emails.
Complaints About Sales Tactics and Spam
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BBB logs 8 complaints in three years, mostly about unsolicited texts/emails. One from July 10, 2025, alleged "gaslighting" after changing mind on a loan inquiry; the company responded professionally, denying misconduct.
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Another BBB complaint (December 31, 2024) noted "consistently sends unsolicited text spam," with Shore Funding confirming removal from databases.
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Employee reviews on Indeed mention "high turnover and sketchy industry" (December 6, 2019), with some calling it a "burn and churn" environment focused on cold calling.
Limited Transparency and Suitability
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Yelp's closed listing offers no reviews, limiting visibility. UCS points out stricter requirements (e.g., $150k revenue) may exclude startups.
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Some reviewers on Trustpilot for similar firms like South Shore warn of MCA debt cycles, with one saying, "I was in over my head with MCA DEBT" before getting help (October 4, 2024).
These issues underscore the importance of reading terms carefully and comparing options, as alternative lending can carry higher risks.
Employee Perspectives from Shore Funding Reviews
On platforms like Indeed and Glassdoor (linked to New York City reviews), employees rate Shore Funding 3.9/5. Positives include "great company with strong growth potential" and "ability to meet personal goals." However, criticisms involve "cold calling" and lack of work-life balance (e.g., "Not worth it!" from March 14, 2022). This internal view adds authoritativeness, showing the company's culture aligns with its fast-paced lending model.
Is Shore Funding Right for You? Expert Recommendations
Based on Shore Funding reviews, this lender excels for established businesses needing quick, flexible funding but may not suit those sensitive to costs or preferring traditional banks. If your credit is fair (500+) and revenue steady, it's worth exploring—many users report life-changing support, like "They got me funded in less than 24 hours!" Always request full terms, compare rates, and consider alternatives like SBA loans for lower costs.
As industry experts in business financing, we recommend verifying details directly with Shore Funding and consulting a financial advisor. This review is for informational purposes only and not financial advice.
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