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businesses that have turned profits into $1 million+

minutes to qualify

What SpotOn Loans Are Available?

Our loans offer some of the most competitive rates in the industry. Not only is our process fast, easy, and convenient but SpotOn Financial can even pre-approve you in minutes for up to $150,000 or more. We offer our clients multiple ways to borrow depending on your needs. We pride ourselves on being able to accommodate a very wide range of businesses and we’ll always go out of our way to help you get the best loan possible.

Asset Based Lending

Asset based lending is based on the value of the collateral put up by the borrower. There are few restrictions on what you can do with the money and what you forfeit should you default. These are best suited for people with valuable equipment.

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Merchant Cash Advance

Need a merchant cash advance for working business capital? Our Merchant Cash Advance service is highly rated and routinely helps business owners with variable income, sudden costs, and other related expenses that require a small amount of money in a very short amount of time.

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Real Estate Loans

Perfect for those involved in real estate or house flipping. Loan collateral is based on property value and there are no restrictions on the use of funds. Additional property can be purchased using the value of your current inventory of properties. Ideal for property investment and property improvements.

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Small Business Loans

Small business loans are some of the most common loans taken in the United States. Typically based on the value of the business itself, these loans tend to offer very favorable rates and can sometimes be advantageous for your credit if you own a small business with healthy profits. If you plan to use the money for business purposes this loan option almost always makes the most sense to apply for.

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SpotOn Financial offers real loans, to real people, real fast!

Get Working Capital and Business Financing for Your Company in Minutes. SpotOn Financial is a top lending services company based in Colorado Springs, nestled at the foot of Pikes Peak Mountain, in the great state of Colorado.

Since our inception our focus has been to provide access to working capital and business financing to over 400 industries. We offer low cost business loans and financing to meet all types of credit backgrounds from bad credit loans, to construction financing, marijuana-based business financing, working capital, merchant cash advances, commercial real estate loans, and even financing for publicly traded companies.

SpotOn Financial has a team of professionals that are local partners in 34 states. Our banking relationships include many national, regional, and local lenders all of whom are focused on the needs of small businesses and their owners. Our funding programs cater to Woman owned businesses, minority owned business financing, SBA, and Alternative Financing. As a support of our military and our veterans, SpotOn Financial is proud to an advocate and partner in finance for Veteran owned businesses and contractors. Our team of professionals have successfully originated loans for over 2200 business clients for the past 7 years.

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