Direct funding up to $500K — same-day approval, capital in as little as 2 hours.
Spartan Capital Group is a direct small business lender headquartered in Hazlet, New Jersey, funding companies in every U.S. state. We provide working capital, term loans, lines of credit, equipment financing, invoice factoring, and revenue-based financing in amounts up to $500,000 — and we close fast. Most applicants receive a funding decision within an hour, and approved capital can land in your business bank account in as little as two hours.
Applying does not affect your personal credit. We use a soft pull during pre-qualification, so you can see what you qualify for without a hard inquiry on your report. There is no collateral requirement on most of our programs, and we work with business owners across a wide range of credit profiles when revenue and cash flow are healthy.
We fund the industries that keep America running: restaurants and food service, construction and trades, retail, healthcare and medical practices, auto services, trucking and logistics, manufacturing, professional services, cleaning, salons and beauty, hospitality, and dozens more. Whether you need to bridge a slow season, buy equipment, hire staff, or take on a new contract, our underwriters tailor the structure to your specific situation.
Pick the state where your business operates below to see local funding terms, common qualification thresholds, FAQs specific to that market, and the cities we serve most actively. From there you can drill into your city and industry for an even closer fit, or skip ahead and apply directly.