Refinance Your MCA.

Reclaim Your Cash Flow.

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

  • Monthly Payments Only

    No daily or weekly ACH withdrawals draining your account

  • 3-Yr Term with up to 10-Yr Amortization

    Built to protect operating cash flow

  • BBB A+ Rated Lender

    Not another fast-cash fintech

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One Form. One Fixed Payment. One Way Out.

The Advance Was Fast. But Now You Feel Trapped.

You took the MCA because you needed capital fast. The speed was real. What they didn't tell you was that daily withdrawals would make every morning a gut check. Watching your balance shrink before you've served your first customer.

Your MCA Today

  • Daily Draws Draining Your Business

    Your cash position changes before your first customer walks in. Every single day.

  • Designed to Renew, Not Resolve

    The advance is almost paid off. Then renewal pressure builds before the advance is cleared.

  • No Finish Line

    You don't know when it ends. There's no payoff date on the calendar.

With Spectra Lending

  • Up to 70% Reduced Monthly Payment

    You know the exact date it is paid off. No ACH pulls. No daily balance checks.

  • Fixed Rate, Fixed Payment

    A fixed rate means no surprises, just a number you agreed to upfront.

  • Clear Path to SBA Eligibility

    After 12–18 months of clean repayment, SBA financing becomes a real conversation.

  • Designed to Free Up Capital

    MCA lenders size your payment to their schedule. Spectra's 10-year amortization on a 36-month term is designed to leave working capital in your business.

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No Hard Credit Pull

Secure a soft quote with no impact to your credit.
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Decision in Minutes

Pre-qualification in minutes, no waiting, no guesswork.
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Fast Funding

Capital deployed in days, not weeks or months.

Four Steps to Relief

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 pre-approved in minutes
Apply for a business term loan with no hard credit pull.
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2. Accept your quote and upload your docs
Once approved, business term loans can fund as soon as the same day.
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3. Review the terms and schedule your closing
Finalize the loan structure and select a closing date that fits your schedule.
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4. Fund your loan
Complete closing and receive your funds.

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

Get a Soft Quote in Minutes

Check your eligibility for up to $500K in funding for MCA refinancing, working capital, and more.