Spectra Lending
Secure Funding

Business Term Loans, Simplified.

$50K to $500K term loans. Apply in minutes, get funded in as little as three days.

Start My Application
Get pre-approved in less than 5 minutes.
Business term loans
Loan Amount
$50k - $500k
Flexible Terms
1 - 36 Months
No Credit Impact
Apply with no hard credit pull

Built to Reduce Payments & Restore Cash Flow

Spectra's Growth Term Loan uses a long-term amortization structure that can reduce monthly payments by up to 70% compared to short-term products, giving businesses predictable monthly payments and room to grow.

Our Structure
  • 10-Year Amortization
  • Up to 36-Month Repayment Term
  • Fixed Monthly Payments
  • Designed for Cash-Flow Stability
Where We Help
  • Business is burdened by MCA or short-term debt
  • Operators struggling with unpredictable cash outflows
  • Companies that need capital without straining monthly cash flow
Get Pre-Approved

Business Funding Made Simple

We've simplified the lending process by removing the hurdles of traditional paperwork. Get pre-approved instantly and follow our clear path to closing so you can focus on growing your business without interruption.

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

Proven Partners in Business Financing

Transparent terms, responsive service, and a lending team that understands how businesses grow.

$250,000,000+
Loans provided since 2023
BBB A+ Rating
Trusted Nationwide
Operating across 39+ states & 2 territories

What Can a Business Loan From Spectra Be Used For?

Transparent terms, responsive service, and a lending team that understands how businesses grow.

Strategic Debt Consolidation
Slash monthly obligations by 40-60% by rolling high-cost debt into one manageable monthly payment.
MCA-to-SBA Bridge
Clear existing MCA debt to meet SBA qualification standards and transition to long-term bank financing.
Flexible Working Capital
Put capital to work where your business needs it most, without daily drains or rigid restrictions.
Business Growth & Expansion
Fund new locations or equipment acquisitions without disrupting your primary bank relationships or existing liens.
Business loan application
Start My Application

Capital Without Complications

Why business operators choose Spectra

While many of my communications with lending partners involve long, drawn-out emails that can stretch over multiple days, I know I can immediately pick up on the phone and call Landon with a potential deal. We can discuss the nature of any project and reach a resolution on its attractiveness as a fit almost instantaneously.

Yes Lending logo
Michael Pasquale
Originations Manager at Yes Lending

Spectra Lending played a critical role in helping our client secure $2,560,000 to refinance two Dollar General locations in New Jersey that were in default. Their expertise, speed, and professionalism made all the difference in getting the deal done.

DIT Capital Advisors logo
Dijon Tamaya
Managing Director at DIT Capital Advisors

As a repeat borrower my experience with Spectra Lending has been outstanding. Their team is knowledgeable and professional and know how to get deals done - and done quickly. Their post-closing service is just as impressive.

SHB Companies logo
Jeremy Hamilton
SHB Companies, LLC

Frequently Asked Questions