Small Business Funding

To Enable Growth.

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

  • Instant Pre-Qualification

    Get a soft quote in minutes with zero impact to your credit score

  • Monthly Payments Only

    No daily or weekly ACH withdrawals draining your account

  • BBB A+ Rated Lender

    Not another fast-cash fintech

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One Form. One Fixed Payment. One Way Forward.

No hard credit pull. No commitment required.

You're Ready to Apply. You Just Need a Straight Answer First.

Finding out if you qualify for a business loan shouldn't require a credit inquiry or two weeks of back-and-forth. Most lenders make you commit to the process before you know whether the process is worth committing to.

At Spectra, the soft quote comes first. You tell us your business type, monthly revenue, and what you need. We come back with real terms — fixed rate, monthly payment, payoff date. If it fits, great. If it doesn't, you'll know that too. Either way, you haven't lost anything finding out.

How Most Business Lenders Work

  • Hard Credit Pull Before You See Terms

    Your credit score takes a hit before you've reviewed a single number.

  • Rates Disclosed After You're Already In

    The real cost of borrowing gets clearer the further into the process you get.

  • Broker Layers That Add Cost and Delay

    Someone else is earning a fee on your loan and slowing down the timeline to do it.

With Spectra Lending

  • Soft Quote First. No Credit Pull.

    See your rate, payment, and payoff date before you commit to anything.

  • Fixed Interest Rate, Disclosed Upfront

    The rate in the offer is the rate on the loan. It doesn't change after you sign.

  • 10-Year Amortization

    Lower monthly payment than a short-term loan. More working capital stays in your hands.

  • Monthly Payments Only

    One payment per month. Sized to fit your operating cash flow.

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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 Funding

We've built the application to move at your speed. No paper stacks. No week-long wait to hear back.

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1. Complete Your Soft Quote in Minutes
Tell us your business type, monthly revenue, and how much you need. No hard credit pull.
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2. Review Your Terms With a Lending Advisor
Real numbers — fixed rate, monthly payment, payoff date. Ask every question you have.
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3. Accept Your Quote & Upload Your Documents
Once you're ready, business term loans can fund as quickly as the next business day.
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4. Close & Receive Your Funding
Fixed monthly payments begin on a schedule you agreed to upfront. No surprises at closing.

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 Your Soft Quote in Minutes

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