Top Shelf Capital · Fort Worth, Texas
Helping entrepreneurs, homebuyers, and nonprofits become funding-ready through credit guidance, business planning, grant writing, and professional loan packaging.
No gimmicks. No unrealistic promises. Just preparation, documentation, and honest advice.
Meet Derick Coleman
I’m Derick Coleman, founder of Top Shelf Fundability LLC (DBA Top Shelf Capital) in Fort Worth.
Before this was a company, people already brought me credit reports, declined files, and half-finished plans. Same pattern: someone had sold them a miracle, or nobody would look at the file and tell them the truth.
I did the unglamorous part. Separate what’s inaccurate from what’s just ugly. Line up what an underwriter actually asks for. Say when the ask is too big. That work does not need a pitch. It needs someone who will read the file.
I formed the LLC so that work could be done in the open: written agreements, no upfront credit-repair fees, three-business-day cancel right, Texas CSO bond on file, and Texas CSO registration (No. 20260142).
If the file is weak, I’ll say so before you pay for a package. If an item is accurate, I won’t pretend a dispute letter will erase it. You can do a lot of this yourself for free with the bureaus. If you hire me, you’re paying for the review, the organization, and the writing — not a guaranteed score or a guaranteed yes.
I started Top Shelf Capital after seeing people get unrealistic promises instead of honest guidance. I decided to build a company based on transparency, compliance, and straightforward communication.
My goal is simple:
At Top Shelf, we don’t sell miracles.
We help people prepare for opportunity.
Dispute work, documentation, and a clean paper trail. We dispute information you believe is inaccurate, incomplete, or unverifiable. No one has the right to have accurate, current, and verifiable information removed. No “700 in 30 days” pitch. Results depend on the file.
Entity, credit, and package readiness so a lender can actually underwrite you instead of kicking the file back.
Business plans, narratives, and document sets built so an underwriter can follow the story without guessing.
Consumer credit repair and business scale-up are month-to-month after a written agreement.
Billing happens after the work is performed. For credit repair, you get the federal “Consumer Credit File Rights” statement before you sign, and you can cancel within 3 business days without penalty. No credit repair fee is charged until the agreed services are fully performed.
FHA purchase, 203(k) rehab, HUD Homes, down-payment stacks, housing-authority files, and nonprofit HUD grants. We assist with the credit and the package. HUD and the lender decide.
Collections, late pays, and report errors that block FHA overlays get reviewed. Items you believe are inaccurate or unverifiable are disputed in writing.
ID, income story, housing history, and letters of explanation so the file is not a pile of screenshots.
You take the organized file to a lender or a HUD-approved counselor. They underwrite. We don’t pretend to.
501(c)(3)s, churches, and community groups that need a fundable grant file — narrative, budget, and attachments written to the guidelines.
Top Shelf Fundability LLC (DBA Top Shelf Capital) is registered with the Texas Secretary of State as a Credit Services Organization. Texas CSO Registration No. 20260142 (expires 9/25/2027). A $10,000 surety bond, number 352105, issued through BondAbility (NGM Insurance Company), is on file for Top Shelf Fundability LLC d/b/a Top Shelf Capital, with the principal name updated by rider effective October 7, 2026. A surety bond is not an endorsement by the State of Texas. Read the Texas CSO notice.
No fees before the work is done. No score promises, “delete everything” pitches, or “clean sweeps” of accurate items. No CPNs or “new credit identity.” No skipping your written contract or 3-business-day cancellation right, no rights waivers, and no fake “government approved” claims. See each practice, why it’s wrong, and the law behind it →