SPRUCE BUSINESS FUNDING
Business funding. Your next move.
Apply online in four clear sections, then attach your latest four business bank statements. One application, with a receipt for everything you send.
Tell us about your business. Enter accurate information; available options depend on your business and the funding program.
- Latest four completed periodsStart with the business account receiving your recurring revenue.
- No hard inquiry from SpruceCredit authorization is optional, and Spruce does not make hard credit inquiries.
- All 50 statesInquiries welcome. Program availability varies.
FUNDING GOALS
What will funding help you do?
Start your application with a goal in place, or read the guide first. Choosing a goal is optional and does not establish eligibility. You can describe and edit your funding purpose in the application.
Working capital
Think through the gap between expenses going out and customer payments coming in.
Inventory & seasonal needs
Plan stock, supplies, and the cash needed before demand turns into sales.
Equipment & improvements
Put the full project in view, from the initial purchase to getting it into service.
Expansion & new projects
Define what growth requires before choosing how to fund it.
HOW IT WORKS
Apply in four clear sections
Start with your email, add your business, funding, and owner details, then finish by attaching your latest four business bank statements. Here is what to have ready.
Business
Your email, then the business’s legal name, entity type, EIN, start date, industry, location, revenue, and employee count.
Funding
The amount requested, when funds are needed, preferred remittance frequency, and intended use.
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
Prepare the latest four available completed statement periods from the primary business bank account receiving your recurring revenue.
Up to four files, 10 MB per file. Accepted formats: PDF, PNG, and JPG.
One PDF can cover several periods or accounts, and one period can be split across files. Four files alone do not establish four-period coverage. The communications and credit choices at the end are optional and start unchecked.
BANK STATEMENTS
Your latest four statements
Prepare the latest four available completed statement periods from the primary business bank account receiving your recurring revenue.
Statements from other business bank accounts are optional and can give Spruce a fuller picture when reviewing funding options.
No bank login needed
You upload the statement files themselves. The application never asks for bank login credentials.
Private document storage
Statements upload separately to Spruce’s private document storage, and your receipt shows which files were received.
Not ready yet?
After your application is received, add statements from its receipt while that page stays open. If your Spruce email includes an “Upload your statements” link, you can use it to return later.
Getting your statements
Start with your primary account
In the online statement area for the business account receiving your recurring revenue, save the latest four available completed statement periods to this device.
Check the saved files
Open each file and check that the business account, statement dates, and all pages are clear and readable.
Attach them in Documents
Choose the saved files in the application’s final section. Up to four files, 10 MB per file. Accepted formats: PDF, PNG, and JPG.
Who is this for?
Business owners exploring funding for their business. Share accurate business details and your latest four business bank statement periods. Available options and terms depend on the business and funding program.
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.
Does applying mean I am approved?
No. Sharing business information is not an approval, a guaranteed amount, or a funding offer. Any specific offer requires further review.
Does applying authorize a credit inquiry?
No. Submitting an application does not by itself authorize a credit inquiry. Credit authorization is a separate, optional choice at the end of the application, and it starts unchecked. Spruce does not make hard credit inquiries.
Who can see my application and statements?
Your application is sent over an encrypted connection to Spruce’s private application database and document storage, hosted by Supabase. Authorized Spruce staff with verified company Google accounts can review applications and statements, and an internal copy is sent to Spruce’s business email through Resend. A funding provider may receive information after Spruce explains the recipient and purpose.
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.
Ready for your next move?
Start with your email. One application, four clear sections.
Start your application