🎉 Now funding up to $2M — same-day approval available for qualified businesses. Apply Now →
Customized Funding Solutions Since 2016

Working Capital
When You Need It.
Funded in Hours.

Spartan Capital can deliver business funding in as little as eight hours for amounts ranging from $5,000 to $1,000,000. Choose from our fast, flexible, and transparent financing options that allow our capital to work for you.

Get Funded → See How It Works
$0B+
Total Capital
Deployed
0K+
Businesses
Funded
0hr
Avg. Approval
Decision
0.0★
Trustpilot
Rating
#1 Rated Lender 4.8/5 · 3,200+ Reviews
Spartan Capital business meeting
Just Funded
Approved · 2 hours ago
★★★★★ 4.8/5 on Trustpilot
65,000+ Businesses Funded
$1 Billion+ Capital Deployed
Decisions in as little as 1 Hour
Zero Impact on Credit Score
Funding from $5,000 – $2,000,000
Term Loans  ·  MCA  ·  Line of Credit
★★★★★ 4.8/5 on Trustpilot
65,000+ Businesses Funded
$1 Billion+ Capital Deployed
Decisions in as little as 1 Hour
Zero Impact on Credit Score
Funding from $5,000 – $2,000,000
Term Loans  ·  MCA  ·  Line of Credit
Funding Solutions

The Right Capital
for Your Business

At Spartan Capital, we strive to provide every business with the funding it needs, precisely when and how it is needed. Banks take weeks to review an application — we deliver decisions and funding within hours.

Compare All Options
Business Term Loan
Term Loan

Fixed payments, structured terms. Best for equipment, expansion, renovations, or any major planned investment in your business.

3 – 36 Month Terms
Fixed Payments
Funded in 24hrs
Funding up to$2,000,000
Apply Now
Merchant Cash Advance
⚡ Most Popular

Funded on your future revenue — not your credit score. Repayments flex automatically with your daily sales. No fixed monthly payment, ever.

Decision in 1 Hour
Zero Hard Credit Pull
Flexible Repayment
Funding up to$500,000
Apply Now
Business Line of Credit
Line of Credit

Draw only what you need, when you need it. Pay interest on draws only and replenish automatically as you repay — the smart cash flow safety net.

Revolving Access
Interest on Draws Only
Auto-Replenishes
Funding up to$250,000
Apply Now
Funding Estimator

How Much Can Your Business Get Funded For?

Answer a few quick questions — no hard credit pull, no commitment.

$
Your business could receive up to
$250K
  • ⚡Decision in as little as 1 hour
  • 💰Up to $2M available
  • ✓No hard credit pull
Apply Now →

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

How Underwriting Works

From Application to Funded
In As Little As 2 Hours.

The moment you apply, our engine reads your data in real time — each input triggers a direct output, so decisions are made in minutes, not weeks.

⚡
Our AI engine analyzes 500+ data signals to approve your application in as little as 1 hour — no hard credit pull required.
1hr
Decision Time
500+
Data Signals
0
Hard Credit Pull
24hr
Avg. Funding
$2M
Max Funding
Why Spartan Capital

Why Choose
Spartan Capital?

We've helped over 65,000 businesses access the capital they need — faster, simpler, and with more flexibility than traditional lenders. Here's what sets us apart.

#1 Rated SMB Lender
Trusted by Thousands of Business Owners Nationwide

With a 4.8-star rating on Trustpilot and over 3,200 verified reviews, Spartan Capital has earned its reputation as the most trusted alternative lender in the country. Our clients aren't just funded — they're taken care of.

4.8★
Trustpilot Score
3,200+
Verified Reviews
98%
Satisfaction Rate
Zero Hard Credit Pull
Check your rates without affecting your score
1-Hour Approval Decision
No waiting days or weeks for an answer
500+ Funding Specialists
Real experts, not automated systems
Up to $2M Funding Range
Flexible capital for every stage of growth
No Collateral Required
Get funded without putting your assets on the line
Lightning-Fast Funding

From application to funded in as little as 24 hours. We move at the speed of business — because your opportunities don't wait.

Multiple Product Options

MCAs, term loans, lines of credit — we match you with the right product for your cash flow, not just whatever's easiest to sell.

High Approval Rates

We work with all credit profiles. Less-than-perfect credit? We look at your full business picture, not just a score.

Transparent Terms

No hidden fees, no bait-and-switch pricing. You'll know exactly what you're getting before you sign — plain language, every time.

Built for Small Business

We specialize exclusively in SMB lending. Our entire process — products, pricing, support — is designed around how small businesses actually operate.

Dedicated Support Team

Your funding specialist stays with you from application through funding — and beyond. One point of contact, always available, no runaround.

Spartan Capital
Approval decision in 1 hour
No hard credit pull to apply
Same-day or next-day funding
All credit profiles considered
Dedicated specialist assigned
vs
Traditional Banks
Weeks-long approval process
Hard pull required upfront
Funding may take weeks
High credit scores required
Impersonal, automated process
Customer Reviews

Don't Take Our Word For It —
Hear From Our Clients

4.8 / 5.0
Rated on
Trustpilot
3,200+ verified reviews
★★★★★

Spartan Capital completely changed how I think about business financing. We needed capital fast to take on a major contract, and they had us funded in less than 24 hours. The process was painless, my advisor was incredibly knowledgeable, and the terms were exactly what they promised. I've since renewed twice and referred four other business owners.

MR
Marcus Reynolds
Owner, Reynolds Construction Group · Dallas, TX
Funded
$350K
Term Loan
★★★★★

Applied on a Tuesday morning, had the money in my account by Wednesday afternoon. I've tried banks before and the process took months — Spartan did it in a day.

JL
Jennifer Lau
Lau's Kitchen & Catering
$85K
MCA
★★★★★

My credit isn't perfect and I was nervous about applying. My advisor walked me through everything, no pressure whatsoever. Got approved for more than I expected. Genuinely surprised.

DM
Derek Moss
Moss Auto Detailing
$45K
Term Loan
★★★★★

Third time using Spartan. Each experience has been better than the last. They remember who you are, they know your business, and they actually care about whether the funding works for you.

SC
Sandra Chen
Chen Medical Staffing
$200K
Line of Credit
★★★★★

Used the funds to buy out a competitor. The line of credit gave us flexibility to move fast when the opportunity came up. Couldn't have done it without Spartan Capital.

TW
Trevor Walsh
Walsh Plumbing & HVAC
$175K
Line of Credit
★★★★★

No hard credit pull to check my rates — that alone sold me. Transparent from start to finish. The payment structure fit perfectly with our seasonal revenue cycles.

AP
Alicia Paredes
Paredes Landscaping Co.
$60K
MCA
★★★★★

I called on a Friday afternoon thinking nothing would happen until Monday. Had an approval by 5pm and funds the next business day. That kind of service is rare. Spartan delivered.

RJ
Raymond Johnson
Johnson Freight Solutions
$120K
Term Loan
Trusted across every industry
Construction Restaurant & Food Healthcare Trucking & Freight Retail Staffing Landscaping Auto Services E-Commerce Beauty & Salon Hospitality Fitness & Gyms
Join 65,000+ businesses already funded.
Get My Offer
Now Accepting Applications

Your Business
Deserves Capital
That Moves Fast.

Apply in minutes with no hard credit pull. Get a decision in as little as 1 hour and funding in as little as 24 hours. Over 65,000 businesses funded — yours could be next.

No hard credit pull
Decision in 1 hour
Up to $2M available
4.8★ Trustpilot rated
Get Pre-Qualified
No commitment. No hard pull. Results in minutes.
No hard credit pull · No commitment · Funds as fast as 24hrs
$1B+
Capital Deployed
65K+
Businesses Funded
1hr
Avg. Decision Time
4.8★
Trustpilot Rating