01
Keep everyday business moving
Think through the gap between expenses going out and customer payments coming in.
Explore working capitalBUSINESS FUNDING, WITH PERSPECTIVE
Room for your
next chapter.
Business funding options for wherever
you want to take your business.
From everyday cash flow to a bigger opportunity, start with your goal. Understand the tradeoffs. Decide what belongs in your next chapter.
For businesses with $15,000+ in monthly revenue.
Eligibility and available terms depend on your business.
Funding may be provided by Spruce-Consulting LLC or selected funding providers. Options, costs, and terms depend on the provider, program, and state.
THE STARTING POINT
$15,000+ monthly business revenue
OUR FOCUS
All 50 states program availability varies
YOUR DECISION
Clarity before commitment understand the provider, costs, and terms
A LITTLE CAPITAL. A CLEARER DIRECTION.
What’s your
next move?
Every business has its own reasons for exploring funding. Start with what matters to yours.
02
Prepare for your next busy season
Plan stock, supplies, and the cash needed before demand turns into sales.
Explore inventory & seasonal needs03
Invest in the tools of your trade
Put the full project in view, from the initial purchase to getting it into service.
Explore equipment & improvements04
Make room for a bigger opportunity
Define what growth requires before choosing how to fund it.
Explore expansion & new projectsLOOK BEYOND THE HEADLINE AMOUNT
A useful option fits
the whole picture.
The amount matters. So does what arrives in your account, what comes out afterward, and whether the arrangement suits the job.
Match the funding to the need.
A seasonal inventory purchase and a long-term equipment investment have different timelines. Start with the purpose and how long the benefit should last.
Understand the arrangementsLook at the rhythm, not just the total.
Compare payment or collection frequency with the way your business earns money. Include existing commitments and slower periods in the picture.
Build your comparisonKnow exactly what you are considering.
Identify the provider, the net funds, all fees, and the agreement’s conditions. Ask for explanations in writing before making a commitment.
Use the offer checklistSTART WITH THE BIG PICTURE
Your business.
Your priorities.
A clear next step.
Funding should start with understanding what you’re building—and what you need to get there.
More about the process- 01
Put your goal into words
What are you trying to support, how much do you have in mind, and how does your business bring in revenue?
- 02
Work through one organized application
Four clear sections: Business, Funding, Owners, and Documents. Gather your latest four business bank statements and choose communications and credit permissions at the end.
- 03
Know what comes after the basics
Before accepting an option, review the provider, product, costs, payment obligations, and conditions. Completing an application is not an approval or a commitment.
BEFORE YOU BEGIN
A clear application.
The essentials in view.
Know what the full application asks for before you begin. Bring your business goal into focus, then gather the details and latest four business bank statement periods.
If the principal owner holds less than 100%, you can also include additional owners.
See the preparation guideBusiness records
Legal name, entity type, EIN, start date, industry, location, revenue, and employee count.
Funding needs
The amount requested, when funds are needed, preferred remittance frequency, and intended use.
Principal owner details
Name, ownership percentage, email, US phone number, date of birth, SSN or ITIN, self-reported credit, and home address.
Your latest four statement periods
Prepare business bank statements covering the most recent four statement periods.
A SIMPLE STARTING POINT
Established revenue.
New possibilities.
Our initial revenue screen starts at $15,000 per month in business revenue.
Business funding, for business needs
Explore options for an operating business, with a goal or need in mind.
A conversation before a commitment
Understand the provider, fees, and specific terms before considering an offer.
Revenue alone does not determine approval. Program eligibility and availability vary.
Start your applicationA clear picture before a commitment
Understand the option.
Know the provider.
A useful funding conversation includes more than an amount. You should know who provides it and what your business would be agreeing to.
Get to know SpruceSpruce-Consulting LLC, our approach, and the details behind a funding conversation.Questions before an offerProvider, product type, net funds, complete cost, and payment obligations.Understand your information choicesRead how contact permissions, credit authorization, and information use relate to the application.
A FEW THINGS TO KNOW
Good questions.
Clear answers.
Get a little perspective before taking your next step.
All funding FAQsWho is this for?
Business owners generating at least $15,000 in monthly business revenue. This is an initial revenue screen. Other eligibility requirements and available terms depend on the funding program.
Does Spruce provide funding directly?
Funding may be provided by Spruce-Consulting LLC or selected funding providers. An actual offer must identify the funding provider, product type, complete cost, associated fees, and payment or collection terms before you decide. Availability depends on the business, program, and state.
Can I inquire from my state?
Business owners in all 50 states can explore funding with Spruce. Specific programs and their availability vary by state and business.
Will checking eligibility mean I am approved?
No. Meeting the revenue screen or sharing business information is not an approval, a guaranteed amount, or a funding offer. Any specific offer requires further review.
What should I compare besides the amount?
Compare the amount your business would receive, all costs and fees, payment or collection timing, and the full obligations in the agreement. A useful option needs to fit how your business operates.
What should I have ready to apply?
Gather the business and funding details, principal owner information, and your latest four business bank statements. The application has four sections: Business, Funding, Owners, and Documents, with separate communications and credit choices at the end.
GROW FROM HERE
Let’s explore
what comes next.
Business funding options.
A starting point built around you.