Business Funding Solutions

Custom-engineered capital solutions for every stage of business growth.

Our Funding Solutions

We provide flexible working capital solutions tailored to your business needs. Every loan is precision-calibrated to your cash flow, growth trajectory, and industry requirements.

Working Capital Loans

Unrestricted funding for operational expenses, inventory purchases, marketing campaigns, or any business need. Deploy capital where it generates the highest return.

  • Loan amounts: $10,000 – $500,000
  • Flexible repayment terms: 6-24 months
  • Fast approval: 24-48 hours
  • No collateral required for qualified borrowers

Revenue-Based Financing

Repayments scale with your revenue. During slow months, your payments automatically adjust downward. When revenue increases, you pay more — but never beyond your cash flow capacity.

  • Funding: $25,000 – $250,000
  • Payment: Fixed percentage of daily/weekly revenue
  • Term: 3-18 months
  • No fixed monthly obligations

Equipment Financing

Finance machinery, vehicles, computers, or any business equipment. The equipment serves as collateral, enabling competitive rates for qualified borrowers.

  • Finance up to 100% of equipment cost
  • Terms: 12-60 months
  • New or used equipment eligible
  • Preserves existing credit lines

Business Expansion Loans

Capital for new locations, facility upgrades, franchise purchases, or strategic acquisitions. Structured for growth without straining cash flow.

  • Funding: $50,000 – $1,000,000
  • Longer terms available: 24-60 months
  • Custom amortization schedules
  • Strategic growth planning support

Commercial Real Estate Financing

Purchase, refinance, or renovate commercial properties. Tailored structures for owner-occupied buildings or investment properties.

  • Loan amounts: $100,000 – $5,000,000
  • Terms: up to 25 years
  • Competitive rates for qualified properties
  • Purchase or refinance eligible

Why Businesses Choose SPENCEME

Fast Decisions

Most applications reviewed within 24 hours. Funding delivered 48-72 hours after approval.

Transparent Pricing

All fees disclosed upfront. No hidden costs, no surprise charges.

Direct Lender

No broker middlemen. Work directly with the decision-makers.

Flexible Qualification

We look beyond credit scores. Revenue, time in business, and growth potential all factor in.

Ready to Scale Your Business?

Get a custom funding proposal based on your specific business metrics. Start the process in under 5 minutes.

Apply Now