01
Working capital
Think through the gap between expenses going out and customer payments coming in.
Explore this needSPRUCE BUSINESS FUNDING
Business funding. Your next move.
Keep your business moving. Start with your goal and explore funding options with Spruce.
One organized application. Four clear steps. Have your latest four business bank statement periods ready.
At least $15,000 in monthly business revenue.
Initial screen only. An application is not an approval.
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
START WITH YOUR BUSINESS GOAL
What’s your
next move?
Every business has its own reasons for exploring funding. Start with what matters to yours.
02
Inventory & seasonal needs
Plan stock, supplies, and the cash needed before demand turns into sales.
Explore this need03
Equipment & improvements
Put the full project in view, from the initial purchase to getting it into service.
Explore this need04
Expansion & new projects
Define what growth requires before choosing how to fund it.
Explore this needHave a goal in mind? Bring the amount, timing, and intended use to your application.
Start your applicationFROM YOUR GOAL TO YOUR APPLICATION
One application.
Four clear steps.
Work through each section, then send your application and statement files to Spruce. Choose communications and credit permissions at the end.
Business
Business records, location, and revenue.
Funding
Your requested amount, timing, and intended use.
Owners
Principal owner details, with optional additional owners.
Documents
Your latest four business bank statement periods.
BEFORE YOU BEGIN
Have the essentials ready.
If the principal owner holds less than 100%, you can also include additional owners. Statement files can be PDF, PNG, or JPG.
Business 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.
CLARITY BEFORE A COMMITMENT
Understand the option.
Know the provider.
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.
Compare net funds, all fees, and payment or collection timing with your business cash flow.
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.
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 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.