SpotOn Financial
REAL
FO’ REALS
Decision in minutes – Applying will not impact your credit score.
$380 Million
Delivered to Businesses Nationally
Small Business
$10K – $5M
Rates as low as 5.5% APR
Real Estate
$25K – $4M
Rates as low as 6.99% APR
Cash Advance
$5K – $500K
Rates as low as 9.99% AIR
Real SpotOn Financial Stories
Greene’s Boot Shop
Greene Family / Muncie, IN
Greene’s Boot Shop had spread out their duties such as inventory control, bookkeeping, and promotion among family members. But when they wanted to spend their holidays with those family members, they needed extra capital to meet payroll for their seasonal workers. Having an increased holiday staff can do a lot to relieve that pressure and handle extra holiday volume. Fortunately, they were approved for a SpotOn Financial line of credit within minutes.
Real SpotOn Financial Stories
Greene’s Boot Shop
Rob & Mo Greene / Muncie, IN
Greene’s Boot Shop had spread out their duties such as inventory control, bookkeeping, and promotion among family members. But when they wanted to spend their holidays with those family members, they needed extra capital to meet payroll for their seasonal workers. Having an increased holiday staff can do a lot to relieve that pressure and handle extra holiday volume. Fortunately, they were approved for a SpotOn Financial line of credit within minutes.
Get started now. Have working capital today.
Apply anywhere in minutes
Enter basic business information and link your revenue data online on our mobile website.
1
Get a decision right away
We’ll review your business performance to let you know how much working capital you can access.
2
Start using your funds today
Take the amount you need now and come back whenever you need more capital to grow your business.
3
Apply anywhere in minutes
Enter basic business information and link your revenue data online on our mobile website.
1
Get a decision right away
We’ll review your business performance to let you know how much working capital you can access.
2
Start using your funds today
Take the amount you need now and come back whenever you need more capital to grow your business.
3
What Makes SpotOn Financial So Different?
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”. What many businesses don’t realize, or have never been told, is that they have resources available to them from quite a few different avenues.
Industries That SpotOn Financial Loves Partnering With
Construction
Wholesale
Mining
Natural Resources
Veteran-owned
Retail
Manufacturing
Oil and Gas
Minority-owned
Woman-owned
Ready to go big?
Minimum requirements
- To qualify for a small business loan, your business needs to be at least a year old. You should have revenues of $50,000 annually or $4,200 per month over the last three months.
- All loans are subject to credit approval. Credit lines and pricing are subject to periodic review and change, including line and pricing reductions, line and pricing increases, or line eliminations. This is not a revolving account. Individual requests for capital are separate installment loans. Frequently Asked Questions.
- SpotOn Financial can approve you in minutes for up to $150,000 when we are able to automatically obtain your business data and verify your bank account. Lines of credit over $150,000 require a manual review. In some situations, errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.
- This is not a guarantee of qualification, but rather the minimum qualification criteria.