Your SBA Loan Is Coming,

But Your Business Can't Wait.

Refinance $50K–$500K in MCA debt with monthly payments and funding in as little as one business day.

  • Rapid Deployment

    Funding that moves at the speed of your business, not the SBA's timeline. 

  • Flexible 6-36 Month Term

    Built for flexibility, predictability, and to protect operating cash flow until your SBA funds.

  • BBB A+ Rated Lender

    Not another MCA lender looking to trap you with daily withdrawals.

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Start My Soft Quote

The SBA said "yes", your payroll date didn't get the memo.

You've done everything right.

You found an SBA-approved lender. You submitted financials. You waited through underwriting. And now you're conditionally approved, which is great news for your business, but not particularly helpful for your payroll date next week, or the lease renewal your landlord is waiting on.

The SBA process moves at its own pace. Your business doesn't have that luxury.

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The SBA Isn't Slow Because It's Broken
SBA loans are well-structured, low-cost financing. The timeline is the tradeoff. Businesses like yours don't run on lender timelines, and you need capital before the SBA process catches up to it.
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Spectra Funds in 1-3 Business Days
We're a direct balance-sheet lender, which means no SBA-guarantee process, no secondary-review queue, no government-approval chain. We underwrite and fund in days, not months.
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Built to Be Paid Off When SBA Closes
Most lenders penalize early payoff. Spectra doesn't. We expect you to pay off your bridge loan the moment SBA funds. That's the point. Clean structure on the way in. Clean exit on the way out.

Bridge the SBA Funding Timeline

We've modernized the lending experience to support your momentum. Apply in minutes, upload documents securely, and move through approval and closing with ease—so your business can grow without interruption.

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1. Get a Soft Quote in Minutes
Tell us about your business, how much you need, how long you've been operating, and your approximate monthly revenue. No hard credit pull at this stage. No commitment.
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2. Accept Your Quote & Upload Your Docs
Accepting your quote takes one click. From there, you'll upload a set of business documents. Everything happens through a secure document portal.
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3. Speak With an Advisor Who Understands SBA
Not a call center. Not a bot. A Spectra lending advisor who has worked with businesses in the SBA pipeline before and understands how to structure a bridge loan that works alongside, not against, your SBA financing.
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4. Fund Fast. Repay When SBA Closes
We wire funds directly to your business account. Monthly payments begin 30 days later. When your SBA loan closes, you repay the Spectra balance in full. The bridge has done its job.
Requirement Minimum
Time in Business 2 Years
Annual Revenue $100,000+
Credit Score > 640
Debt Coverage 1.15x DSCR
Owner Equity 20% Minimum
Business Location US & Puerto Rico, excluding: CA, DE, IL, KS, MN, MT, NC, ND, NV, NE, SD, TN, TX, UT, VA, VT.

Capital Without Complications

Why business operators choose Spectra
"As a repeat borrower my experience with Spectra Lending has been outstanding. Their team is knowledgeable and professional and knows how to get deals done - and done quickly. Their post-closing service is just as impressive."
SHB Companies
Jeremy Hamilton
SHB Companies, LLC