Fund your dream with working capital loans for small business and restaurants
With SpotOn Capital, you can get funding to propel your business forward from a partner who supports your success.
Access to capital is opportunity for success
Lengthy requirements. Hard credit checks. Investor presentations. So often these are what stand between you and your success. SpotOn Capital not only removes these roadblocks, but also gives you the funding your business needs to reach its full potential.
Working capital that works for you
Loans made easy
Apply. Receive. Spend. With SpotOn Capital, qualified SpotOn clients can get funding up to $300,000 through an effortless application and loan process.
Simple application
Apply in minutes from your SpotOn Client. No tax returns or receipts needed. Get a decision right away.
Fast deposits
Get your money fast. On average, approved customers see funds in their account by the next business day.
Spending autonomy
Use your capital for any business need. Renovate, buy equipment, cover overhead costs—whatever your business needs to succeed.
Funding in your favor
Pay back more when business is good. And less when it's slow. SpotOn Capital was made with your success in mind.
Fixed flat fee
Pay only one fixed fee that's a percentage of your loan. No periodic or compound interest rates.
Automated repayment
Never worry about late payments. Every day, a fixed percentage of your credit card sales is automatically deducted and applied to your loan.
No additional fees
No application fees. No processing fees. No late fees. No hidden fees. And no surprise surcharges.
You're in control
With SpotOn's online small business loans, everything you need to manage your loan is right at your fingertips.
Client management
Stay in the know. View signed documents, track your progress, and see your payment history—all from your dashboard.
Optional prepayment
Pay off your loan quicker. Through your dashboard, you can make as many prepayments as you want without fees.
Continual renewals
Get even more funding. Once your loan is repaid, you can apply again. And repeat the process as often as you like.
*All SpotOn Capital loans are managed by jaris Lending, LLC and made by jaris Lending’s network of partner banks.
Fueling small businesses everywhere with capital
"With SpotOn Capital, you don’t have to worry about when payments are due, because it automatically repays from your daily sales. And you can even pay it off early if you want. It gives you the capital you need to buy new equipment, do repairs, and help with payroll. It's so much easier than going through a bank. With SpotOn, you have a partner who sees what you’re doing and believes in you.”
Zach JohnsOwner, Fat Zachs
"SpotOn Capital was amazing. We had a couple of silent partners who weren't supporting us during COVID and were demanding their money back. They thought because we were busy, we were making money. But they weren’t seeing the big picture with overhead costs and payroll. It was nice to have SpotOn as a cushion. Knowing that SpotOn Capital was available to us was a big relief."
Karen CabreraOwner, La Chiva Loka
“If you’re considering SpotOn Capital, I recommend it. You know what fees you get charged, it’s simple and easy. SpotOn is a great company to work with."
Brett FullerOwner, 24Hr Diesel Repair
Work smarter with tools that work together
Looking for more than working capital for small business? Check out our other solutions to see how we can help streamline your business.
Work with real people who really care
Your business is one of a kind. That's why we customize your SpotOn solution to the way you work. Our technology is backed by a few promises:
- Honest pricing with no hidden fees
- A local account executive that's ready to assist whenever you need help
- 24/7/365 phone support from real people that respond to requests within a few minutes
- Experts who'll ensure your tech is running perfectly—today and tomorrow
Learn more about working capital loans for small business
Get in touch with a consultant today to see how you can transform your business with SpotOn's capital loans and payment processing technology.
Find more solutions for your business
Frequently asked questions
© SpotOn Transact, LLC. 2025. All Rights Reserved. SpotOn Transact, LLC. is a Registered Partner/ISO ofMerrick Bank, South Jordan, UT & Wells Fargo Bank,N.A., Concord, CA & Elavon Inc., Georgia [a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN].
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