STATES SERVED
MAX LOAN SIZE
APPROVAL SPEED
COST TO APPLY
Fast access to cash for payroll, materials, slow seasons, or growth. Requires 12+ months in business and $20K average monthly revenue. No minimum credit score required.
Acquire the tools, trucks, and machinery your business needs without depleting cash. Finance new or used equipment across all industries with flexible structured terms.
Purpose-built for HVAC contractors, general contractors, and trades professionals. Fund your next project, hire crews, and grow your pipeline with confidence.
Short-term real estate financing based on property value — not personal income. Up to 90% purchase price + 100% renovation costs. Minimum 620 FICO. Non-owner occupied only.
Qualify based on the property's rental income — no W-2s or tax returns required. Available for 1–4 unit properties, condos, and townhomes. Minimum 680 FICO. Non-owner occupied only.
Government-backed and conventional term loans for established businesses. Requires 700+ credit score and 2+ years in business. Ideal for expansion, acquisition, or debt refinancing.
We review your property needs and identify the right funding solution for your situation.
We review your profile and match you to the right lending partners. No shotgun applications. No wasted credit pulls.
Receive your offer with clear terms. We walk you through every detail so you understand exactly what you are agreeing to.
Capital is deposited directly to your account. Most deals fund within 24 to 72 hours of final approval.
Seasonal cash flow, equipment, and project financing for heating and cooling professionals.
Working capital and project-based financing for licensed GCs across the country.
Electricians, plumbers, roofers, and specialty contractors who need fast business capital.
Hard money and bridge loans for investors acquiring and renovating residential properties.
DSCR loans for building long-term rental portfolios without income documentation.
Construction and ground-up financing for residential and commercial projects.
Working capital, SBA loans, and term financing for established businesses nationwide.
Startup capital and early-stage financing for entrepreneurs launching their first venture.
We come from the trades. We understand the cash flow cycles, equipment needs, and project timelines that define your business — and we find lenders who understand them too.
Our service is completely free to borrowers. We are compensated by lenders after your deal closes — which means our incentive is to get you funded, not to collect fees from you.
Most of our lending partners can approve applications in 24 hours and fund within 72 hours. We handle the paperwork and communication so you can focus on running your business.
GOKAPITIAL
RCN Capital
ARF Financial
United Capital Source
LendingOne
Easy Street Capital
No. Applying through SPM Capital is completely free. We are compensated by lenders after a loan closes — there is no fee, no upfront cost, and no obligation to proceed after receiving an offer.
The initial pre-qualification process typically uses a soft credit pull, which does not affect your score. A hard pull may occur when you accept a specific loan offer, depending on the lender and product.
Working capital and MCA products can fund in as little as 24 hours after approval. Equipment loans typically fund in 3–5 days. Hard money and DSCR loans generally close in 7–30 days depending on the complexity of the transaction.
For business loans: typically 3 months of bank statements and a one-page application. For real estate loans: property address, purchase price, scope of work, and credit profile. We will walk you through everything specific to your loan type.
Yes. Some of our lending partners offer startup programs for businesses with strong personal credit (680+) and demonstrated personal income. Requirements vary by lender — contact us to discuss your specific situation.
Yes. Our lending partners operate nationwide and fund businesses and real estate investments across all 50 states. We work with clients everywhere in the country.
Submit your information and Frankie will reach out personally to discuss your options. No obligation. No pressure. Just honest guidance from someone who knows your industry.
203-200-0493
Info@spmsolutionsgroup.com
Mon - Fri 08 AM - 10 PM
Licensed HVAC contractor and funding broker. Connecting contractors, investors, and small business owners with the right capital nationwide.
Proudly serving New York and Connecticut with trusted remodeling, repair, and renovation services.
Licensed, insured, and committed to delivering quality craftsmanship you can rely on.
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