San Diego, California · Asset Based Lending
858-486-8800 shannon@transcapservices.com
Programs Our Process Why Us Testimonials Calculator Request a Quote
Asset Based Lending · San Diego, CA

Capital for companies
banks leave behind.

Shannon Shular and TransCapital, Inc. have spent over 25 years connecting growing San Diego companies with the right lending partners — discreet, flexible, and built around your collateral, not your credit score.

Request a Quote View Programs
25+
Years in Business
$10M
Maximum Line Size
25+
Trusted Lender Partners
100%
Discreet Structures
Founded 1995
·
25+ Years Experience
·
Lines $200K – $10M
·
Non-Notification Structures
·
San Diego, CA
About Shannon Shular

Your guide through the lending market.

Shannon Shular, President of TransCapital Inc.

"I've provided financing solutions for companies experiencing rapid growth and inconsistent credit conditions by increasing or supplementing their working capital, for over twenty-five years. My knowledge of the lending market guides businesses through the process of meeting trusted lending partners underwriting discreet and flexible financing structures."

— Shannon Shular, President of TransCapital, Inc.

Collateral-Driven Capital

Asset Based Lenders focus on the quality of your collateral — receivables, inventory, purchase orders, or equipment — rather than balance sheet strength. This opens access to capital that traditional banks routinely deny to fast-growing, credit-challenged, or recently restructured companies.

Discretion & Relationships First

Shannon's process is built around discretion and relationships. She matches your specific business profile to lenders from her trusted network who specialize in exactly your market. Paperwork only follows after genuine interest is established.

Every Situation Has a Structure

Many lenders Shannon represents supplement existing bank capital to provide the lowest blended rate, while others lend exclusively to companies that don't qualify for traditional bank financing. Whatever your situation, there is a structure designed for you.

Programs & Structures

Financing structures designed for growth.

Discreet non-notification accounts receivable and inventory lines of credit — cost-effective alternatives to bank financing, tailored to the collateral your business generates.

Most Popular

Asset Based Lending

Non-notification AR and inventory advances that increase your available cash flow. Your customers continue paying as normal — all they see is your business operating confidently. Your line grows as your receivables grow.

  • Non-notification — completely discreet from customers
  • Advances against accounts receivable and inventory
  • Lines from $200,000 to $10,000,000
  • Ideal for manufacturing, distribution & wholesale
  • Scales automatically with your revenue growth
Government Contracting Specialist

Contract Financing

Confidently fund payroll expenses with advances against government and commercial contracts that have not yet been invoiced. Shannon has deep relationships with lenders who specialize in the government contracting space.

  • Payroll funded against un-invoiced contracts
  • Designed for progress-billing businesses
  • Government and commercial contracts eligible
  • Provides "proof of capital" to bid larger contracts
Win Larger Orders

Purchase Order & Production Finance

When a large order comes in and your working capital can't cover production costs, purchase order financing fills the gap. Make deposits to vendors, stay current on production expenses, and fulfill orders you'd otherwise have to decline.

  • Vendor deposits funded before goods are produced
  • Fulfill large orders from major retailers and clients
  • No need to turn down growth opportunities
  • Ideal for manufacturers with large seasonal orders

TransCapital also represents a specialized lender with deep experience in cannabis industry financing — including working capital solutions for some of the most recognized brands in the space.

Why TransCapital

The advantages of working with a specialist.

Most business owners waste months applying to lenders who aren't focused on their line size, industry, or collateral type. Shannon eliminates that friction.

01

Industry-Matched Lenders

Shannon's network includes lenders who specialize in your exact market — manufacturing, distribution, government contracting, and more. Working with a specialized lender means faster approvals and better terms.

02

Complete Discretion

Non-notification structures mean your customers, suppliers, and competitors never know you're using a financing facility. Your business relationships stay intact throughout the process.

03

Direct Access to Decision Makers

Shannon doesn't introduce you to a call center — she connects you directly with the underwriting decision makers at each lender. Quick and decisive responses with professional integrity.

04

Documentation Only When It Counts

Document collection begins only after genuine rapport with a lender of interest has been established. You won't waste time gathering paperwork for a lender who isn't a fit.

05

Ongoing Relationship, Not Just a Deal

Shannon follows your application through underwriting and stays engaged throughout the life of the facility — scheduling regular meetings and calls to ensure everything continues to meet your goals.

Expedite the Process

From conversation to capital — with purpose.

Below is the important business profile criteria Shannon considers when sourcing a lender of interest to achieve the most competitive pricing and highest loan availability.

1
Business Profile

Shannon learns your industry, revenue, collateral type, and financial situation in depth.

2
Lender Match

She identifies lenders from her trusted network who specialize in your exact market and line size.

3
Build Rapport

Shannon establishes genuine interest with the right decision maker — before requesting any documents from you.

4
Documentation

Once a lender of interest is confirmed, document collection begins in a streamlined, targeted way.

5
Close & Support

Shannon follows the application through underwriting and remains engaged throughout the term of your facility.

Borrower Criteria

What determines the best lender for your business?

01

Specific Industry Type

Why not partner with a lender who predominantly serves your business market? General types include manufacturing, distribution, wholesale, and those progress billing or performing service-based contracts. A specialized lender understands your billing cycles and prices accordingly.

02

Revenue & Line Amount

There are many pitfalls in choosing a lender that isn't focused on your core line amount. General lines fall between $200,000 and $10,000,000. Applying outside a lender's core profile increases cost and delays their process. Shannon ensures your request matches the lender's sweet spot.

03

Collateral Supporting the Structure

Knowing a lender's appetite for specific collateral — and their conditions for lending against it — is valuable. Typical assets include AR, Inventory, Contracts, POs, and Projected Sales. Many lenders restrict availability against collateral outside of AR.

04

Financial Condition of the Company

Don't apply to lenders expecting financial strength when you lack it — or vice versa. Many lenders Shannon represents supplement existing bank capital for a blended rate. Many others lend exclusively to those who do not qualify for traditional bank financing.

Client Testimonials

Trusted by CFOs, CEOs, and their bankers.

Over 25 years of relationships across San Diego's manufacturing, distribution, government contracting, and construction communities.

"
📈 Triple Revenue Projected · $1.5M Line

I plan to triple my annual sales since working with the lender Shannon recommended. I wasn't able to qualify for the bank loan I needed to bid larger contracts or take on new work as it was presenting itself. I was referred to Shannon by my banker and didn't realize the relief an AR LOC would provide my business when it came to managing cash flow. I had factored many years ago and didn't like the experience my customers received and the fees were very expensive. The lender I'm using now is increasing my line to $1.5M and also provided our business with 'proof of capital' required to bid larger contracts.

Dave Guaderrama
CEO, NMS Management
"

As the CFO for a couple of San Diego companies Shannon's helped with financing over the years, I can say she's been instrumental in financing growth particularly when the banks weren't. As these companies worked with high profile clients, we needed to be discreet when choosing a solution allowing a favorable method of collecting customer payments which we were unable to obtain in the market on our own. Access to decision makers was key to confidently implementing a growth-oriented financing plan to meet our goals. Shannon and her network of lenders were focused on quick and decisive responses with professional integrity. I would recommend her to anyone seeking alternatives to bank financing.

John Teotico
CFO, San Diego, CA
"
📈 +$3.5M Revenue Growth

A great deal of our growth is in part to asset based lending — we have added three new clients increasing our sales by $3.5M. Not to mention two of our key suppliers have increased our credit limits and terms. Our clients demand competitive pricing and credit of up to 75 days. The lender you introduced is responsible for us meeting these goals. Thank you Shannon for everything.

Jorge Culebro
CFO, Right Hand Synergy & Mfg.
"
🤝 Client since 1999

Ms. Shannon Shular and TransCapital have been helping us with financing for working capital since 1999. What I appreciate the most is that she understands our requirements fully and then presents the plan. She does not just find a suitable lender — she follows up our application with their underwriting team all the way through, and that makes a world of difference. Despite her busy schedule, she schedules regular meetings and calls throughout the term.

Ash Shah
CEO, Rasix Computer Center, Inc.
"
📈 +30% Revenue Growth

Shannon introduced the owners of a finance company to support our production expenses on large orders to Home Depot when the banks said no. Our 2015 sales revenue increased by over 30% and I continue to draw on the term loan to confidently fund my company.

David Martinez
CEO, AGRI-TECH INDUSTRIES LLC
"

We were looking for financing options and introduced to Shannon at TransCapital. The lender Shannon introduced worked perfectly for us and we continue to call on her as new opportunities arise. We found Shannon to be credible, professional and very knowledgeable about the various instruments of borrowing in the market.

T. Maher
President & CEO, PCS Adventures
"

The ability to draw on capital as needed has been instrumental in our ability to fund new growth, while relieving the pressure of cash flow constraints during lean periods throughout the year. We've known and trusted Shannon's guidance to practical capital resources for many years.

R. Renfro
President, SCI
"

Everything has been great so far, much easier than I ever thought it would be. I want to thank you for getting me setup. This has really helped my business increase sales by keeping my inventory levels up. Once again, thank you.

G. Roney
President, Next Day Specialty
"

As a management consultant I have often had clients with cash flow needs. Shannon Shular is the best. She really understands client cash flow constraints and knows where to go to get viable solutions.

P. Laven
Management Consultant
"

When it comes to alternative lending options Shannon knows the business better than anyone out there and has always been an excellent resource to my clients. She always provides a competitive solution that clients can use to supplement, replace, or create additional working capital.

Matthew Varela
Business Performance Advisor, San Diego
Endorsed by San Diego's Commercial Banking Community

When banks refer out, they refer to Shannon.

These aren't just client testimonials — they're endorsements from the commercial bankers who refer clients to Shannon when they can't help them themselves.

"

Without hesitation, I have and will continue to recommend Shannon into companies that have credit requests just outside of the commercial banking plate. Over the many years I have known and worked with Shannon, I have seen first-hand how her integrity and expertise have helped San Diego companies finance payroll and working capital needs, especially related to the government contracting space.

Steve Lopez
VP & Senior Relationship Manager
City National Bank · La Jolla
"

I've worked with Shannon since 1995. She has been a terrific resource providing alternative lending options for companies needing creativity. She's responsive and presents clients with excellent options to meet their immediate cash flow requirements.

M. Spacciapolli
Regional Manager, Commercial Lending
First Citizens Bank
SS
Shannon Shular
President · TransCapital, Inc.
858-486-8800 shannon@transcapservices.com
Meet Shannon Shular

Twenty-five years of relationships that open doors.

Founded 1995 25+ Years Active $200K – $10M Lines San Diego, CA

Shannon Shular has spent more than twenty-five years working at the intersection of business need and lending expertise. Based in San Diego, she founded TransCapital Services in 1995 with a straightforward mission: help growing companies find the capital their banks couldn't provide.

Her approach is personal and methodical. Before any paperwork is requested, Shannon takes time to understand your business — your industry, your collateral, your financial situation, and your goals. Only then does she reach into her network of trusted lenders and make the right introduction.

"Choosing a trusted lending partner can be expedited with my help. My goal is to introduce the right decision maker within my network first, with a strong understanding and commitment to your business profile."

Shannon has helped companies across manufacturing, distribution, government contracting, construction, and cannabis access capital that transformed their growth trajectories. Her clients include CFOs and CEOs of companies ranging from $1M to $20M+ in annual revenue.

Sector Expertise

Industries we serve.

TransCapital has placed financing structures across a wide range of industries. If your business generates receivables, contracts, purchase orders, or inventory — there's likely a structure that fits.

Manufacturing

We help manufacturers pull working capital out of receivables and inventory to fund production cycles, hire, and fulfill larger orders — without waiting on slow-paying customers.

Distribution & Wholesale

Asset-based lines scale with your receivables as your distribution volume grows, without the constraints of traditional credit limits.

Government Contractors

Contract financing funds payroll on government and commercial contracts before invoices are issued, so you never have to turn down a bid.

Construction

Construction companies can bridge the gap between project milestones and slow-paying contracts, keeping crews on the job and cash flow steady.

Cannabis

Shannon represents a specialized lender with an established track record in cannabis industry financing. Asset-based working capital solutions for licensed operators — including some of the most recognized brands in the space.

Deal Snapshots

What we've helped businesses accomplish.

Representative examples of financing structures arranged by TransCapital. Details have been generalized.

Government Contracting

Payroll funded before the first invoice

Challenge

A San Diego staffing company landed a new federal government contract but needed $800K to fund payroll before any invoices could be submitted.

Solution

Shannon arranged contract financing within 12 days, allowing the company to fulfill the contract without disrupting cash flow.

$800K
Funded in 12 days
Distribution

A $1.5M line that grew with the business

Challenge

A distributor growing at 40% year-over-year was declined by their bank for additional credit — their growth was seen as a liability, not an asset.

Solution

TransCapital arranged an AR-based line of credit that scaled automatically with their receivables, giving them capital that matched their actual growth.

$1.5M
Scaling AR line
Manufacturing

PO financing turned a major retail order into a growth catalyst

Challenge

A San Diego manufacturer received a large order from a national retailer but lacked working capital to fund production — their bank had declined additional credit despite the confirmed order on hand.

Solution

Shannon arranged purchase order financing to cover vendor deposits and production costs, allowing the company to fulfill the contract and establish an ongoing retail relationship.

+30%
Revenue growth that year
Common Questions

What you need to know.

Straightforward answers to the most common questions about asset-based lending and working with TransCapital.

We work with companies across manufacturing, distribution, government contracting, construction, and cannabis — typically businesses generating $500K to $20M+ in annual revenue that need working capital their bank can't provide.
Most deals close within 2–4 weeks from the initial conversation. In some cases, we've moved faster when urgency required it.
We generally work with lines starting at $200K, with no ceiling — larger facilities are structured as needed.
No. Asset-based lending is collateral-driven, not credit-driven. Lenders focus on the quality of your receivables or inventory, not your balance sheet. That's why companies that don't qualify for bank financing can still get funded.
Not necessarily. We specialize in non-notification structures, meaning your customers continue paying you directly with no indication that a third-party lender is involved.
Ready to Move Forward?

Choosing a trusted lending partner can be expedited with Shannon's help.

There is no obligation, no paperwork upfront, and no pressure. Just an honest conversation about your business and what financing options exist in the market for your profile.

Request a Free Quote Call 858-486-8800
AR Financing Calculator

See how much capital your
receivables can unlock.

Estimate your available funding and monthly cost based on your current receivables. All figures are illustrative — contact Shannon for a personalized assessment.

Monthly Receivables $500,000
$50K$5M
Advance Rate 85%
70%92%
Annual Fee Rate 2.0%
1.0%3.5%
Estimated Available Funding
$425,000
based on your monthly receivables
Estimated Monthly Cost $708
Annual Financing Cost $8,500
Cost as % of Funded Amount 2.0%

With $425,000 available against your receivables, you could fund production on 2–3 additional orders per month — without waiting on customer payments.

Get a Personalized Quote

Illustrative estimates only. Actual rates vary by lender, industry, and borrower profile.

Request a Quote

Let's find the right structure for your business.

Shannon personally reviews every inquiry. Tell her about your company and financing needs — she'll respond promptly with an honest assessment.

Phone
858-486-8800
Email
shannon@transcapservices.com
Location
San Diego, California

"Choosing a TRUSTED LENDING PARTNER can be expedited with my help. My goal is to introduce the right decision maker within my network first, with a strong understanding and commitment to your business profile."

1
Contact
2
Business
3
Financing

Let's get acquainted.

Shannon personally reviews every inquiry — no paperwork required yet.

Your Business Profile

Help Shannon match you to the right lender from her network.

Financing Details

Tell Shannon what you need — she'll respond with an honest assessment.

Thank You!

Shannon will personally review your request and be in touch shortly.

Call 858-486-8800
Call Shannon — 858-486-8800