Small Business Funding

Smart Small Business
Funding Solutions.

Conventional bank funding can be slow and cumbersome. Spartan Capital expedites the process — approval in as little as four hours, funds transferred to your bank in less than three days. We support entrepreneurs of every kind, including women-owned businesses and startups.

Apply Now → See How It Works
$10K–$2M
Funding Range
24hrs
Avg. Funding
550+
Min. Credit
3–36mo
Term Length
Get Pre-Qualified
Apply in minutes · No impact on your credit score
How long have you been in business?
Credit Score (Owner's Estimated)
Annual Revenue
$
Contact Information
*No hard credit pull · No commitment · Response in under 1 hour
🎉

Application Received!

A Spartan Capital advisor will contact you within 1 hour.

Up to $2M
Funding Available
24hrs
Avg. Time to Fund
65K+
Businesses Funded
$0
Collateral Required
Simple Process

How It Works

From application to funded in as little as 24 hours — here's exactly what happens.

📋
Apply Online

5-minute application. No hard credit pull, no stacks of paperwork.

⚡
Get Approved

Our underwriters review your file and return an offer in 1 hour.

📄
Review Your Terms

See your loan amount, rate, term, and fixed monthly payment upfront.

💰
Get Funded

Sign and funds are deposited into your business account within 24 hours.

Perfect For

Who Is Small Business Funding Right For?

Spartan Capital's small business funding supports a diverse range of entrepreneurs — including women-owned businesses, established operators, and new ventures that need startup capital to gain traction and grow.

Equipment & Machinery
Purchase vehicles, machinery, or technology without draining your working capital.
Business Expansion
Open a new location, hire a larger team, or scale operations with structured capital.
Renovations & Build-Outs
Upgrade your space, build out a new location, or modernize your facility.
Refinancing Existing Debt
Consolidate high-cost debt into one predictable monthly payment at better terms.
Basic Requirements
Most businesses qualify — here's what we look for
Min. Monthly Revenue$15,000+
Time in Business12+ months
Min. Credit Score550+
Collateral RequiredCase by case
Hard Credit Pull✓ Never
Prepayment Penalty✓ None
See If You Qualify — Free
Business owner
★★★★★
"

"We needed $350K for a commercial contract and couldn't front the materials. Spartan funded us in 24 hours. That single deal tripled our revenue for the quarter."

JW
James Whitfield
Owner, Whitfield Contracting · Dallas, TX
$350,000
Total Funded
Business Term Loan
Product Used
Get Started Today

Apply for Business Term Loans
in Minutes

Join thousands of business owners who trust Spartan Capital for fast, flexible funding with no surprises.

Decision in as little as 1 hour
No hard credit pull — ever
Funding as fast as 24 hours
Fixed monthly payments — no surprises
No prepayment penalties
Get Pre-Qualified
No hard credit pull · Response in under 1 hour
No hard credit pull · No commitment · Funds as fast as 24hrs