Understand How We
Make Decisions.
We believe in transparency. Spartan Capital considers all industries — with minimums of a 500 credit score, 6+ months in business, and $10,000 in monthly revenue. No collateral required for most products.
How We Evaluate
Every Application
Our underwriting model was built to see the full picture of a business — not just a credit score. Here's what we actually look at.
We analyze 3–6 months of bank statements to understand your revenue consistency, average monthly deposits, and seasonal patterns.
We evaluate your industry, time in business, existing debt obligations, and business stability to determine appropriate funding terms.
We perform a soft credit pull — no impact to your score — to review personal and business credit history as one data point among many.
We build a funding offer tailored to your specific profile — optimized for what your business can comfortably repay.
The Factors That
Matter Most
We evaluate dozens of data points to make a fair, accurate funding decision. Here are the most important factors — and what you can do to improve your chances.
What Makes This Different
We designed our underwriting model around business revenue — not personal credit scores. A business generating $50K/month with a 550 credit score is a better risk than a 720-score business generating $8K/month.
If we decline your application, we tell you why — and what you can do to qualify in the future. No mystery rejections, no vague responses. Real feedback, always.
Our 72% approval rate is among the highest in alternative SMB lending. We work harder to find a yes than other lenders work to find a no.
See If Your Business
Qualifies Today.
Apply free in 5 minutes. No hard credit pull. Get a real decision from a real advisor in 1 hour.
