No Upfront  Fees

Very Minimal Closing Fees

Fast and Easy Application Process

Small Business Loans Approved in Two Business Days

Small Business Loans Funded in Seven Business Days

Up to a One Year to Payback Small Business Loans

Use These Small Business Loans to Build Your Credit Rating

When Small Business Loans are Paided Down Access Additional Cash

    FAST CASH SMALL BUSINESS LOANs are the perfect solution for accessing capital requirements of $5,000 to $100,000 per location. These small business loans are fast and simple to apply for and generally are about 1/3 the cost of a merchant cash advance. 

    These are real small business loans that conform to regulatory requirements and are not tied to your credit card receivables.   Payback for theses small business loans are very simple. We will arrange to take fixed payments directly from your business account. You may take up to one year to pay back the small business loans. Once the loan is paid down you may opt to take more money. Successful repayment of a fast cash small business loan will be reflected in your credit history helping you to build your credit and qualify for lower rates on future loans.

To qualify you these small business loans you must meet the following criteria.

                1) In business for longer than one year
                2) Accepted credit cards for at least 3 months
                3) Your monthly credit card volume is over $3,000
                4) You have a separate bank account
                5) Credit score greater than 599
                6) Must have a physical business location 
                    (not home based or internet based)
                7)Have a separate business bank account

The credit card processing information is used as a confirmation of your cash flow. This is part of a selective process to ensure the lowest rates are given to applicants.

Here is what one of our clients had to say, "Spotlight financial helped us secure fast funding to help grow our small business. They were very prompt and knowledgeable with our questions and concerns. In today's market, having access to capital is very important for a small business owner. We will continue to use Spotlight for future funding needs". This client recevied 2 loans (one per location). They were approved in 1 business day and after submitting all closing documents were funded in 3 business days.

Get started right away! Small Business Loan Application.

Currently these small business loans are not offered in California, Nevada, North Dakota, South Dakota or Vermont. Other qualifying criteria such as type of business, pattern of NSF's, amount of card transactions etc. may effect approval. Small business loans minimum amount may change by state.

If you do not meet the criteria we have other programs that you may qualify for! Information on small business loan alternatives.

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