Real Loans. Real Business. Real Fast.

SpotOn Financial provides small business financing, working capital loans, business consulting, strategic resources, and access to strategic resources to help a business achieve its goals.

Find out how we can help you make more money with a complimentary business health evaluation.

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Small Business

$10K – $5M

Real Estate

$25K – $4M

Cash Advance

$5K – $500K

Financing that every business can qualify for

SpotOn Financial offers Financing for 400 Industries!

We offer affordable, low cost financing options to meet any business needs. Our focus is to provide access to working capital, equipment financing, low interest loans, alternative and traditional lending for commercial real estate, investor loans, or investment capital. Our financing solutions can be used to for any business need. We work with many industries including Marijuana and Cannabis, Hospitality, and Rehabilitation or Senior Living Facilities. Our team of professionals are focused on the small business owners, small business strategies, and small business needs.

SpotOn Financial LLC, Loan Originator, Colorado Springs, CO

$380 Million

Delivered to Businesses Nationally

How much more money would you like to make?

A small business is like a never ending project. It can always do better, it can always generate more income, and it can always grow bigger. So why doesn’t every business do that? They simply don’t have enough money but what If you had access to as much working capital as you needed? That’s exactly what SpotOn Financial can provide you. We help companies be the best possible version of themselves.

What’s the biggest problem facing your business?

Do you have enough working capital for your small business? We specialize in providing funding solutions to meet any small business need. Are you ready to grow your business? We have strategic resources and partners to help you! From building a website to direct mail solutions for growing your customer base, and marketing your product or services, we want to see you succeed.
SpotOn Financial is a lender that works with everything other financial institutions will say no to. Everything from bad credit, no credit, recent bankruptcy, start-ups, and investment financing, SpotOn Financial is here to say yes. As a partner we help small business owners on a local, regional, and national basis International funding level. We are a funding source for franchise owners, minority owned businesses, women owned enterprises, and veteran owned businesses. Our emphasis is to help small businesses thrive within our community and our nation.
They simply don’t have enough money but what if you had access to as much working capital as you needed? That’s exactly what SpotOn Financial can provide you. We help companies be the best possible version of themselves.
I need more money

Typical Expense: 5% – 15% of amount

More money? No problem! We offer working capital loans that allow businesses to cover the cost of inventory, employee payroll, and other necessary commercial operations. Typically these loans come with a short-to-medium repayment schedules and rapid approval times. Ideal for fix-and-flip, manufacturing, restaurants, etc that need to pay for recurring expenses or large upfront costs. Perfect for most small business needs.

I need equipment

Typical Expense: $10,000 – $100,000

Expand the services you offer or increase the amount of work you and your employees can process. Buying equipment can lead to substantial financial opportunities and success for your company when used productively. The cost of this equipment will vary based on which industry you’re in, how difficult it is to manufacture, and the materials used to build it. Specialized equipment often carries a higher price tag and rarity can also have a direct effect on pricing. These assets can be sold later to recover the cost of your investment.

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I need a bigger location

Typical Expense: $100,000 – $500,000

Space to grow is essential for any company especially when it comes to expanding your business operations. If you can seat more customers, show more product, or accommodate more employees your monthly revenue will have space to grow as well. Expanding to a bigger location can be a great way of making your company more successful. Prices for commercial property usually start around $100,000 but many factors can influence what you’ll end up paying. Depending on the city and your desired location within that market, commercial space can be at a high premium.

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I need more customers

Typical Expense: $30,000 – $60,000

Attracting potential customers is the most straight-forward methods of improving your monthly revenue. When you have more customers, you make more sales, and the more sales the more repeating business you’ll retain. So how do you get more customers? The tools and systems used to achieve this have changed drastically in just the past 5 years. Savvy consumers expect companies to maintain a presence on the web, in search engines, on social media, and more. To achieve the best results possible you’ll need to contract a full-service marketing agency capable of both digital and traditional advertising.

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I need to sell online

Typical Expense: $5,000 – $50,000

One of the quickest ways to improve your business is to sell your products or services online. This makes it easy for customers and clients to make instant convenient purchases and can significantly increase your sales volume. To take advantage of these tools you’ll need to contract web development services which can run from relatively inexpensive to significant sums of money. On average the cost of an e-commerce website is $10,000 USD.

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We don’t hold business owners back.

We proudly work with minorities, women, and veterans. Not only do we go out of our way to ensure these groups are given fair and open access to financial resources but in many cases are able to secure exceptionally favorable terms for them. This commitment to fairness also extends to business owners with poor or damaged credit. On average we’re able to provide more capital than many other lenders to business owners with particularly challenging credit scores.

We don’t hold business owners back.

We proudly work with minorities, women, and veterans. Not only do we go out of our way to ensure these groups are given fair and open access to financial resources but in many cases are able to secure exceptionally favorable terms for them. This commitment to fairness also extends to business owners with poor or damaged credit. On average we’re able to provide more capital than many other lenders to business owners with particularly challenging credit scores.

Build the future you want

A small business isn’t just a store or a name, a small business is the livelihood of the person who owns it and the employees who make it possible. But running a business can be difficult, and getting the money you need to succeed can seem downright impossible. Our goal is to help companies flourish by providing businesses with working capital, commercial loans, valuation services, and the expertise necessary to grow in a modern market.
Early on SpotOn Financial decided that we were going to be different. We knew we could get people loans, but it’s more than that. We saw people coming to us that maybe had gotten money somewhere else, or who were financially hurting. What we discovered quickly was that money is always more than just money. It’s hope. It’s new employees. It’s expanding. It’s taking advantage of opportunities when normally you’d be thinking of “tightening your belt”.
How easy is our process?

1. Apply

Enter basic information, business details, and link your revenue data online in as little as 10 minutes either online or conveniently from your phone.

2. Get Approved

We’ll review your business performance to let you know how much working capital you can access and any attached terms.

3. Receive Your Funds

Take the amount you need now and come back whenever you need more capital to grow your business.