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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.

Start your applicationSee what you’ll need

$15,000+ in monthly business revenue is the starting requirement. Meeting it is not an approval.

  • Latest four bank statementsFrom your business account, as PDF, PNG, or JPG files.
  • 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.

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.

  1. Business

    Your email, then the business’s legal name, entity type, EIN, start date, industry, location, revenue, and employee count.

  2. Funding

    The amount requested, when funds are needed, preferred remittance frequency, and intended use.

  3. 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.

  4. Documents

    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. The communications and credit choices at the end are optional and start unchecked.

Start your applicationHow the process worksMore about preparing

BANK STATEMENTS

Your latest four statements

Statements give the Spruce team context on your business’s recent revenue and cash flow. Download them from your business bank’s website and attach the files to your application.

  • 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?

    You can submit your application first, then add statements from its receipt while that page stays open.

Getting your statements

  1. Download your statements

    In your business bank’s online statement area, save the files for the most recent four statement periods.

  2. Check the saved files

    Open each file and check that the business account, statement dates, and all pages are clear and readable.

  3. 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.

Receipt and statement help

AFTER YOU APPLY

Clear at every step

  1. Know what was received

    You get an application reference and the status of each file. Receipt is not approval, and file count alone does not confirm four-period coverage.

  2. Your application is reviewed

    The Spruce team reviews your application and statements. Meeting the revenue screen is not an approval or a guaranteed amount.

  3. See the terms before you decide

    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.

FAQS

Before you apply

Straight answers about who this is for and what to expect.

All funding FAQs
Who 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.

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