About
Texas company. Straight talk. No manufactured urgency.
Derick Coleman, founder
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.
The company
Top Shelf Capital is a DBA of Top Shelf Fundability LLC, a Texas limited liability company based in Fort Worth. We help consumers and small operators sort out credit files, write business plans, and package loan requests so a real underwriter can read them.
The standard in this industry is overpromise. Ours is the opposite: if the file is weak, we say so. If a collection is valid, we say so. If a lender is going to decline you on cash flow, we say that before you pay for a pretty PDF.
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). We maintain a $10,000 surety bond, number 352105, issued through BondAbility (NGM Insurance Company), on file for Top Shelf Fundability LLC d/b/a Top Shelf Capital, with the principal name updated by rider effective October 7, 2026. See the Texas CSO notice.
Questions: 910-978-1173, info@topshelffundability.com, or the consult form.
Calls and form replies during Texas business hours.
Questions
Can you guarantee a score or a loan?
No. We do not guarantee scores, deletions, loan approval, or grant awards.
Can you remove accurate items?
No. Accurate, current, verifiable information stays. We work items you believe are inaccurate, incomplete, or unverifiable.
Do I pay before credit repair work is done?
No. No credit-repair fee until the agreed services are fully performed. Work starts only after the written agreement is signed and the 3-business-day cancel period has passed.
Can I cancel?
Yes. Credit repair contracts can be canceled within 3 business days without penalty.
Can I do this myself?
Yes. You can dispute inaccurate information with the credit bureaus yourself, for free.
Are you registered as a Texas CSO?
Yes. Registered with the Texas Secretary of State. Texas CSO Registration No. 20260142 (expires 9/25/2027). $10,000 surety bond #352105 (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 bond is not a state endorsement.
Do you submit loans or grants in my name?
You stay the applicant. We do not submit in your name unless that is in the written agreement.