About us Services Contact us   ShoreBank Capital is a wholly owned for-profit subsidiary of ShoreBank Corporation. ShoreBank is America's first and leading community development and environmental banking corporation. We are committed to building vibrant community by providing financial services and information to create economic equity and a healthy environment. ShoreBank Capital provides flexible financing and management assistance for the new, emerging and expanding businesses located in Michigan's rural areas and enterprise communities, and businesses owned by ethnic minorities in Michigan and Chicago. ShoreBank Capital cooperates with banks and other financial institutions to help meet the credit needs of businesses. Loans may be used in combination with bank loans, SBA loans, guarantees, or private financing. ShoreBank Capital is committed to investing primarily in businesses that will create jobs, generate sales growth and increase profits. Although financing is not limted to a particular industry, we seek opportunities where there is a high value-added component to the product or service. ShoreBank Capital also offers management assistance in all areas of business management including product development, financial and cash management and workforce training. Application Requirements Successful applicants are those businesses with a sound and fully developed business plan, a product or service that is in demand and a management team that is skilled and financially committed. The business plan should include a company history, management experience, historical financial statements, product description, discussion of market and the competition, cash flow and revenue forecasts, break-even analysis, and a complete outline of the use of loan proceeds. Financial Assistance ShoreBank Capital investments range from $200,000 to $500,000. We can finance equipment purchases, mergers and acquisitions, working capital to meet company growth, and purchase order financing. ShoreBank Capital provides subordinated debt/equity combinations, which may include performance participation, royalties, guarantees and other non-traditional financial packages. We also participate in the U.S. Small Business Administration guaranteed loan products. Pricing ShoreBank Capital sets its pricing according to investment risk. Financial rates and terms are tailored to the individual investment. Generally, our rates are higher than conventional commercial bank lending rates due to the additional risk. You may contact us by e-mail, or call toll free (888) 600-9650. Marquette, Michigan (906) 228-6080 Detroit, Michigan (313) 506-7761