Get the loan you need—fast.

Solve short-term cash flow gaps or seize the moment to grow your business with fast, affordable funding from SpotOn Capital.


Marketing campaigns


Loyalty redemptions


New businesses each month


Million consumers

A stress-free experience.

What does it mean to use SpotOn Capital? It means having the ability to grow even when large financial institutions turn you away. It means having a simple application and approval process. It means knowing what you’re paying from the start—one fixed fee with no periodic interest charges and no hidden costs. And it means getting your funds fast and repaying as you earn new sales, so you never have to worry about a monthly minimum payment.

The loan you need. Your way.

How it works.

SpotOn Capital is part of our end-to-end platform built to help your business compete and win in a fast changing world. When you use SpotOn for payments, our team will automatically notify you when you qualify for a small business loan.

Get funds in 4 easy steps.

  • Log in to your SpotOn Dashboard to review your loan offer

  • Choose your loan amount

  • Complete the quick application and agree to the terms

  • Get funds transferred directly into your account as soon as the next business day upon approval

Easy repayment. No interest charges or hidden fees.

SpotOn Capital makes paying off your loan stress-free by applying a fixed percentage of your daily sales directly toward your balance. In short, you pay more when sales are good, and pay less when sales are slow. Log in to your dashboard anytime to view your progress or make additional payments.

  • One fixed fee based on loan amount

  • No personal guarantee required

  • No periodic interest charges, monthly bills, or late fees

*All loans are issued by Blue Ridge Bank, National Association, located in Luray, Virginia and are serviced by jaris Funding, LLC. All loans are subject to credit approval.

Built for businesses like yours.

We know businesses like yours, and we’re here to help you win.

See how it works.

More great tools to run your business.

Save time and grow revenue with integrated SpotOn technology that makes sense for your business.

What other business owners are saying.

Slide 1 of 5
  • From the initial consultation, to ordering, to implementation and integration, the entire process of on-boarding the SpotOn POS System has been seamless and has exceeded our expectations.

    Pete M.

    Mar 9, 2021

  • SpotOn continues to be an invaluable technology partner that listens well and proactively presents innovative solutions to drive our business forward.

    Ben P.

    Feb 9, 2021

  • SpotOn has given me the data access I need to manage my business from a macro as well as micro perspective. The software is easy to access and utilize.

    Pamela H.

    Dec 5, 2020

  • Every issue and question has been answered or addressed within hours, if not minutes.I can't say enough good about this company and software.

    Brandy R.

    Feb 24, 2021

  • From back office, digital marketing, built our website to take orders off of. The programming is great to allow you to do more tasks with better trained staff.

    Marcus O.

    Dec 1, 2020

Book your consultation