SPRUCE BUSINESS FUNDING
Business funding. Your next move.
Start with your email. Complete four clear sections and attach your latest four business bank statement periods.
At least $15,000 in monthly business revenue.
Initial screen only. An application is not an approval.
Inquiries across all 50 states. Program availability varies.
Clarity before commitment. Funding may be provided by Spruce Consulting LLC or selected funding providers. Options, costs, and terms depend on the provider, program, and state.
START WITH YOUR BUSINESS GOAL
What’s your
next move?
Open a goal to explore it, or start your application below.
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.
Choosing a goal is optional. It does not establish eligibility. You describe and edit your funding purpose in the application.
Start your applicationWHAT TO PREPARE
One application.
Four clear steps.
Keep these details and statement files nearby. Begin with your email, then work through each section at your own pace.
BusinessEmail and business details
Your email, followed by the business’s legal name, entity type, EIN, start date, industry, location, revenue, and employee count.
FundingAmount, timing and preferences
The amount requested, when funds are needed, preferred remittance frequency, and intended use.
OwnersIdentity and ownership
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.
DocumentsLatest four business bank statement periods
Prepare business bank statements covering the most recent four statement periods.
Up to four files, 10 MB per file. Accepted formats: PDF, PNG, and JPG.
One PDF can cover several periods, and one period can be split across files. Four files alone do not establish four-period coverage.
A CLEAR APPLICATION PATH
Know what
comes next.
Know what was received
Get an application reference and each file’s status. Receipt is not approval; file count does not verify period or account coverage.
Separate optional choices
Choose communications and credit separately in Documents. Both are optional and start unchecked.
Before you consider an offer
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.