With SpotOn Capital, you can get funding to propel your business forward from a partner who supports your 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.
Apply. Receive. Spend. With SpotOn Capital, qualified SpotOn clients can get funding up to $300,000 through an effortless application and loan process.
Apply in minutes from your SpotOn Dashboard. No tax returns or receipts needed. Get a decision right away.
Get your money fast. On average, approved customers see funds in their account by the next business day.
Use your capital for any business need. Renovate, buy equipment, cover overhead costs—whatever your business needs to succeed.
Pay back more when business is good. And less when it's slow. SpotOn Capital was made with your success in mind.
Pay only one fixed fee that's a percentage of your loan. No periodic or compound interest rates.
Never worry about late payments. Every day, a fixed percentage of your credit card sales is automatically deducted and applied to your loan.
No application fees. No processing fees. No late fees. No hidden fees. And no surprise surcharges.
With SpotOn's online small business loans, everything you need to manage your loan is right at your fingertips.
Stay in the know. View signed documents, track your progress, and see your payment history—all from your dashboard.
Pay off your loan quicker. Through your dashboard, you can make as many prepayments as you want without fees.
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.
"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.”
Owner, 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."
Owner, 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."
Owner, 24Hr Diesel Repair
Looking for more than working capital for small business? Check out our other solutions to see how we can help streamline your business.
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:
Get in touch with a consultant today to see how you can transform your business with SpotOn's capital loans and payment processing technology.
© SpotOn Transact, LLC. 2023. 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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