Apply for business funding.
One online application in four sections. Your latest four business bank statements go in the last one, and you get a receipt showing what we received.
Accurate details help us review your application. Your options depend on your business and the funding program.
- Latest four completed periodsFrom the main business account where your recurring revenue is deposited.
- No hard credit inquiry from usCredit authorization is a separate checkbox. Read it before you submit.
- All 50 statesApply from any state. Not every program is available everywhere.
What will funding help you do?
Start your application with one of these, or read the guide first. A goal is optional and doesn’t mean you qualify. You can change it in the application.
Working capital
For bills that come due before your customers pay you.
Inventory & seasonal needs
Stock and supplies you need before the busy season brings in sales.
Equipment & improvements
Buying or upgrading equipment, plus what it takes to get it running.
Expansion & new projects
Know what a new project will cost before you decide how to pay for it.
Apply in four sections
Business
Your email, then the business’s legal name, entity type, EIN, start date, industry, location, revenue, and employee count.
Funding
The amount you need, when you need it, your preferred payment frequency, and what it’s for.
Owners
The principal owner’s name, ownership percentage, US phone number, date of birth, SSN or ITIN, self-reported credit, and home address.
Below 100% ownership? You can optionally add other owners.
Documents
Your latest four business bank statements, the required contact and credit authorizations, and a yes-or-no marketing question. Nothing is checked for you, and either answer lets you submit.
Up to four files, 10 MB per file. Accepted formats: PDF, PNG, and JPG.
Your latest four statements
Prepare the latest four available completed statement periods from the primary business bank account receiving your recurring revenue.
Statements from your other business accounts are optional, but they give us a fuller picture of the business.
No bank login needed
You upload the statement files themselves. The application never asks for bank login credentials.
Private document storage
Statements go to our private document storage, and your receipt lists each file we received.
Not ready yet?
You can submit first and add statements from the receipt page while it’s still open. If we still need them after that, we email you an “Upload your statements” link that works for 30 days.
Getting your statements
Start with your main account
In your online banking, open the statements for the business account where your recurring revenue comes in. Download the statements for the latest four completed periods your bank has posted.
Check the saved files
Open each file. Make sure it shows the business account and statement dates, and that every page is clear and readable.
Attach them in Documents
Choose the saved files in the application’s final section. One PDF can cover several periods or accounts. Up to four files, 10 MB per file. Accepted formats: PDF, PNG, and JPG.
Before you apply
All funding FAQsWho is this for?
Business owners looking for funding. You’ll share accurate business details and your latest four business bank statements. What’s available, and on what terms, depends on your business and the funding program.
Can I apply from my state?
Yes. We take applications from business owners in all 50 states. Specific programs, and whether they’re available, vary by state and business.
Does applying mean I’m approved?
No. Applying isn’t approval, a guaranteed amount or a funding offer. Any specific offer needs further review.
How does credit authorization work?
The application has a separate credit-authorization checkbox you review and check before submitting. We don’t make hard credit inquiries. Before any inquiry, you’re told the report scope, who is requesting it and the report provider.
Who can see my application and statements?
Your application goes over an encrypted connection to our private application database and document storage, hosted by Supabase. Authorized Spruce staff signed in with verified company Google accounts can review applications and statements, and an internal copy goes to our business email through Resend. A funding provider may receive information after we tell you who will receive it and why.
What should I have ready to apply?
Your business and funding details, the principal owner’s information and your latest four business bank statements. The application has four sections: Business, Funding, Owners and Documents. The two required authorizations and the yes-or-no marketing question come at the end.
Ready to apply?
It starts with your email address.
Start your application