Access Business Credit Without Personal Credit Checks

No personal credit score check is required to apply for Shield Cards, and no personal guarantee is required. Shield evaluates your business performance, not your personal credit profile.^{¹ ³}

No. There are no upfront fees or subscription fees for cardholders. Qualified businesses can apply, access credit, and use Shield Cards without paying recurring platform fees.

There is no interest on card payments since it is a pay-in-full card.

Most qualified businesses receive an initial decision within hours of completing their application and connecting their business bank account.

We evaluate company revenue, cashflow, reserves, and operating history to determine eligibility and credit limits. Larger businesses can qualify for up to five- to seven-figure lines of credit.^³ The more bank accounts that you connect to show the full financial profile of your company, the higher your credit limit is likely to be.

Shield Cards are designed for U.S. businesses with recurring supplier, inventory, logistics, advertising, or operational spend. Eligibility is based on factors including company revenue, cashflow, and account history.^³

Shield Cards are pay-in-full business credit cards. Any outstanding statement balance is automatically debited on each monthly payment due date.^²

Shield is a registered Money Services Business with the Financial Crimes Enforcement Network (FinCEN). We have processed more than $600M in business payments to date, and are insured against crime and cyber attacks. Our team hails from MIT, Princeton, Facebook, and McKinsey — backed by leading fintech investors including Kraken, a16z, Giant Ventures, and MoonPay.

Shield cards include a QuickBooks integration, so transactions sync directly into your books. If you use different accounting software or have custom workflows, a custom API pipeline is available on request.

Yes, wherever the supplier takes cards. If a supplier only takes wires, you can send a wire from your credit line instead.