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Big Shoulders Capital

|Nonbank Lender|United States
$1 to $15 million
Loan Amount
650+
Credit Score
$100,000
Monthly Revenue
1 Year
Time in Business

Our Big Shoulders Capital Review

3.5/ 5.0How we rate

Big Shoulders Capital is a Northbrook, IL-based family office that provides debt and equity capital to lower middle-market manufacturing and heavy equipment companies across the United States. Because it deploys its own funds rather than outside investors' capital, it operates without fixed timelines — a meaningful distinction for companies navigating turnarounds or distressed situations. Financing ranges from $1 million to $15 million and includes senior secured loans, bridge loans, acquisition financing, bankruptcy DIP financing, sale-leasebacks, and note purchases, alongside lines of credit and term loans. The firm appears well suited for manufacturers with stressed balance sheets, low or negative EBITDA, or complex capital needs that conventional lenders would likely decline. Minimum requirements include a 650 credit score, $100,000 in monthly revenue, and at least one year in business.

Who Is Big Shoulders Capital Best For?

Based on eligibility requirements and available products.

  • Businesses with good (but not perfect) credit
  • Businesses with commercial real estate financing needs
  • Businesses that need flexible, revolving access to capital
  • Businesses seeking larger financing amounts

Financing Options

Line of Credit
Term Loan

Eligibility Requirements

Time in Business
1 Year
Minimum Credit Score
650
Minimum Monthly Revenue
$100,000

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Quick Overview

Loan Amount$1 to $15 million
GeographyUnited States
DoughRating
Products2

Big Shoulders Capital Pros & Cons

Pros

  • Lends nationwide
  • High loan amounts available

Cons

  • Requires $100,000+ in monthly revenue

Frequently Asked Questions

Big Shoulders Capital offers financing in the range of $1 to $15 million.

Big Shoulders Capital typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.

Big Shoulders Capital offers the following financing products: Line of Credit, Term Loan.

Big Shoulders Capital requires a minimum of 1 Year in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Big Shoulders Capital provides financing to businesses across the United States.

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Big Shoulders Capital Review (2026) | Line of Credit Lender | BreadRoute