# Spartan Capital Group

> Fast small business funding up to $500K. 1-hour approval, no hard credit pull.
> Most programs require no collateral.

## About

Spartan Capital Group is a fintech lender providing revenue-based financing,
term loans, lines of credit, equipment financing, and invoice factoring to small
and medium-sized businesses across the United States. Founded in 2016,
headquartered at 30 Wall Street, New York, NY.

Underwriting weighs the health of the business — revenue, deposit consistency,
and time in operation — rather than the owner's personal credit file alone.
Pre-qualification uses a soft credit pull only and never places a hard inquiry
on the owner's credit report. Most programs require no collateral, and none
carry a prepayment penalty. Over $1B in total capital has been deployed to more
than 65,000 businesses.

## Apply

Start or continue an application: https://apply.spartancapitalgroup.com/step-2/

## Key pages

- [Homepage](https://www.spartancapitalgroup.com/): Funding overview and application
- [Apply Now](https://www.spartancapitalgroup.com/apply-now): Start a funding application
- [Small Business Loans](https://www.spartancapitalgroup.com/business-loans/small-business-loans): $5,000–$500,000 over 3–36 month terms
- [Revenue-Based Financing](https://www.spartancapitalgroup.com/services/revenue): Flexible repayment tied to revenue
- [Term Loans](https://www.spartancapitalgroup.com/services/term-loans): Fixed-payment business loans
- [Line of Credit](https://www.spartancapitalgroup.com/services/loc): Revolving credit
- [Equipment Financing](https://www.spartancapitalgroup.com/services/equipment): Asset-backed equipment loans
- [Invoice Factoring](https://www.spartancapitalgroup.com/services/invoice): Cash flow against receivables

## Products

- Small business loans: $5,000–$500,000, 3–36 month terms. Minimums are $15,000 monthly revenue, 12+ months in business, 550 credit score.
- Term loans: fixed-payment financing with a known payoff date. Minimums are $15,000 monthly revenue, 12+ months in business, 550 credit score.
- Business line of credit: revolving credit to draw on as needed, no collateral and no draw fee. Minimums are $10,000 monthly revenue, 12+ months in business, 525 credit score.
- Equipment financing: asset-backed financing to purchase or replace business equipment.
- Invoice factoring: advances against outstanding customer invoices to bridge collection gaps.
- Revenue-based financing: repayment that flexes with a percentage of ongoing revenue.

## Industries served

Restaurant, construction, healthcare, retail, auto services, trucking, beauty,
hospitality, fitness, landscaping, e-commerce, manufacturing, real estate,
technology, education, legal, dental, childcare, cleaning, food trucks.

## Qualification

- Minimum monthly revenue: $10,000–$15,000 depending on product
- Minimum time in business: 12 months
- Minimum credit score: 525–550 depending on product
- Collateral: not required on most programs; evaluated case by case
- Hard credit pull: never during pre-qualification
- Approval decision: about 1 hour on average
- Time to funding: as little as 24 hours

## Contact

- Phone: +1-855-532-1969
- Email: hello@spartancapitalgroup.com
- Address: 30 Wall Street, New York, NY 10005, US
- Website: https://www.spartancapitalgroup.com

## Optional

- [Business Loans by State and City](https://www.spartancapitalgroup.com/business-loans): Local funding pages for all 50 states and their major metros
- [Funding Guide](https://www.spartancapitalgroup.com/resources/funding-guide)
- [FAQs](https://www.spartancapitalgroup.com/resources/faqs)
- [Blog](https://www.spartancapitalgroup.com/resources/blog)
- [Partner With Us](https://www.spartancapitalgroup.com/partner): Broker and referral partner program

## Notes

- Funding amounts and terms are subject to credit approval and may vary based on
  business qualifications.
- Sitemap: https://www.spartancapitalgroup.com/sitemap.xml