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Spartan Capital Group is a small business lender that provides fast, flexible funding to businesses across the US. We offer Merchant Cash Advances, Business Term Loans, Lines of Credit, Equipment Financing, Invoice Factoring, and Revenue Based Financing — with decisions in as little as 1 hour and funding in 24 hours.

Banks typically take weeks or months to process loan applications, require extensive paperwork, and decline 80%+ of small business applicants. Spartan Capital makes decisions in 1 hour, funds in 24 hours, performs no hard credit pull, and approves far more businesses by focusing on revenue rather than just credit scores.

Yes. We are a direct lender — we make all credit decisions and fund all deals in-house. You're always dealing directly with Spartan Capital, not a marketplace or broker.

We fund businesses across almost every industry including restaurants, construction, retail, healthcare, trucking, auto services, staffing, and more. If your business generates consistent revenue, you likely qualify.

We offer: Merchant Cash Advances (Up to $500K), Business Term Loans ($10K–$2M), Lines of Credit ($10K–$250K), Equipment Financing (up to 100% of cost), Invoice Factoring (up to 90% advance), and Revenue Based Financing ($10K–$500K).

Rates vary by product, funding amount, and business profile. MCAs use a factor rate (typically 1.1–1.4). Term loans use an APR. We show you all costs upfront before you sign — no surprises. Apply to get your personalized offer.

An MCA is an advance against your future revenue. You receive a lump sum and repay it as a percentage of your daily sales. Payments flex with your revenue — you pay more on busy days and less on slow ones. No fixed monthly payment, no collateral required.

Revenue Based Financing is similar to an MCA but tied to monthly revenue. You repay a fixed percentage of monthly revenue until the advance is repaid. Perfect for businesses with variable or seasonal income.

Click "Apply Now" on any page. Fill out our 5-minute application — no hard credit pull, no lengthy paperwork. You'll need basic business information, recent bank statements, and contact details. That's it.

Most applications receive a decision within 1 hour during business hours. Complex applications may take up to 24 hours. You'll hear from your dedicated advisor as soon as your file is reviewed.

Typically: 3–6 months of bank statements, a valid government ID, and your business name/EIN. Some larger funding requests may require additional documentation — your advisor will let you know.

No. We use a soft credit pull for the initial application which has zero impact on your credit score. A hard pull is only performed if you accept an offer and request it for verification purposes.

Most products require: 12+ months in business, $10,000+ in monthly revenue, and a 500+ credit score. Some products have slightly higher requirements — check individual product pages for exact details.

Yes, in many cases. We look primarily at your business revenue, not just your credit score. Business owners with scores as low as 500 regularly receive funding. Strong, consistent revenue can offset a lower credit score.

We do not fund: adult entertainment, cannabis businesses, firearms dealers, gambling operations, or businesses currently in active bankruptcy. Most other industries are welcome.

We require a minimum of 12 months in business for most products. If you have been operating for less than 12 months, you may still qualify for some products — contact us to discuss your options.

It depends on the product. MCAs and RBF repay as a percentage of revenue (daily or monthly). Term loans have fixed monthly payments. Lines of Credit repay based on what you draw. Your advisor will explain exactly how your specific offer works.

No. There are no prepayment penalties on any Spartan Capital product. If you want to pay off early, you are free to do so at any time.

Contact us immediately. We work with business owners experiencing hardship to find solutions. Ignoring missed payments leads to fees and collection activity — communicating proactively gives us the best chance to help.

Yes. Many of our clients renew multiple times. Once you've repaid 50–60% of your current advance or loan, you may be eligible to renew or take additional funding. Your advisor will reach out proactively.